Skip to content
Click to Call
Virtual Insurance Agency LLC

143 CadyCenter, Unit 304
Northville, MI 48167

Get Directions

Featured Insurance Blog

The Renters’ Insurance Claims Process

Learn what to do if items stored inside your rental are stolen, vandalized, or damaged. The claims process should commence soon after an incident occurs within your residence.

Insurance Paperwork

Store your renters’ insurance paperwork with other insurance documents. Your insurance policy will provide you with contact information. Refer to this information if you fall victim to theft, vandalism, or damage.

Renters’ Guidelines

When you move into a new rental, it’s recommended that you take an inventory of all the items that you will ultimately be insuring. Typically, these are items that hold sentimental or monetary value.

  • Audio equipment
  • Furnishings
  • Jewelry
  • Cash
  • Tools
  • Appliances

The list above includes some basic categories typically considered when drawing up a renters’ insurance policy. Your personal list for insurance purposes might resemble this or differ based on your belongings.

It’s important to remember that you can update your renters’ insurance policy at any time. Thus, you’re able to acquire coverage for any new purchases you make continuously. When it’s time to file an insurance claim, you’ll need to refer back to your insurance paperwork.

Point-Of-Contact

The contact information included with your renters’ insurance policy includes the name and number of a representative. You should call this individual if you need to file a claim.

The claims process will start once you’ve filled out the necessary paperwork. The agent will then set up a time for you to meet with an insurance adjuster, who will inspect your premises for any signs of damage or theft.

Contact Insurish LLC

Feel free to contact an Insurish LLC agent whenever it suits you. An agent who serves Northville, MI, will be available to consult with you about any concerns you may have regarding your renters’ insurance claim.

Coverage provided by renters insurance

Renters insurance offers a variety of very important coverage for renters, and yet more than 40% don’t carry the insurance. Insurish LLC in Northville, MI can provide the coverage you need and explain the benefits that it can provide for you as a renter. 

Property content coverage

As a renter, the building is not your responsibility to protect. That is up to the homeowner. You may think that you would have some coverage for your property from the homeowner, but you would be wrong. They only cover what belongs to them, like the hot water heater and appliances, if they are included. You are responsible for protecting your personal possessions. A renters’ insurance policy will cover your clothes, electronics, a limited amount of jewelry, furniture, and more. It covers you when your possessions are at home and when they travel with you. 

Liability coverage

Liability coverage protects you if someone is injured while visiting you or by a member of your family, even a four-legged one. It can pay for medical expenses, for a judgment against you, or for legal expenses. 

Loss of use coverage

When your rental is damaged by a covered hazard, it may not be habitable. You will need a place to stay until it is livable again. With loss-of-use coverage, you will be able to stay in a hotel immediately after the hazard, and if it is going to be a while before the rental is repaired, you will be able to get a temporary rental. Loss of use coverage will even pay for some meals if you are staying somewhere without cooking facilities. 

Reach Out To Us

Contact Insurish LLC in Northville, MI if you are a renter who has need of renters insurance. Stop by the office or give us a call to discuss what we can provide.

Why Every Renter Needs Renter’s Insurance

When you’re a renter, there are many ways that you need to be protected. Every renter needs to have a renter’s policy to offer that protection. Renter’s policies protect you in a number of ways. Each of them is important to your financial protection and peace of mind.

If you don’t have renter’s insurance yet for your rented home, call us at Insurish, LLC in Northville, MI to talk about the coverage you need. 

Protection for Your Belongings

When you’re renting, you don’t need to insure the actual home. The owner of the home is responsible for having insurance on it. This is in case the dwelling is damaged or destroyed.

What you as a renter need to have is protection for your belongings. The things you own are inside your rented home. They need to be protected against damage such as from specific disasters. It’s never a good idea to go without this protection. If a covered event causes damage or destruction to your things, this insurance can pay for replacements. This can protect you from having to replace everything on your own after a disaster or accident. 

Protection for Liability 

When you’re the renter of the property, you’re responsible for it. When someone has an accident there and has an injury, it’s up to you to pay for it. If you don’t have renter’s insurance, you have to pay out of pocket. This includes paying for the lost wages and medical bills of the injured person. With renter’s insurance, the policy pays for these. It’s easy to never think about liability costs, but if an accident does happen, you need to be insured. 

Peace of Mind

Your belongings and finances are at risk if you don’t have renter’s insurance. For your peace of mind and protection, call us at Insurish, LLC in Northville, MI.

Partner Carriers

  • Ahoy
  • Assurity
  • Attune
  • BiBerk
  • Blink
  • ClickVSC
  • Cincinnati
  • CIS collectible
  • Cowbell
  • Ethos
  • Get Covered
  • Hippo Insurance Services
  • Kelly Klee
  • Lemonade
  • Neptune
  • Next
  • Progressive
  • RLI
  • Secura
  • Skywatch.ai
  • Steadily
  • Tend
  • Thimble
  • Vacant Express