Renters Insurance in New Jersey

Why Renter's Insurance?

You work hard for your possessions. Maybe you've been acquiring your valuables for decades, or maybe you're just starting out. Regardless, damage to your possessions can occur in an instant, wiping out all of the belongings you own. If your bedroom is damaged in a fire, your landlord's home owner's insurance likely won't cover that new hyper-curved concave TV or your laptop. At BCA Insurance Group in Marlton and Northfield, NJ, we are here to help you protect yourself and your furnishings from the unexpected disasters that can harm your belongings.

Replaces Belongings

Your renter's insurance covers against losses caused by:

  • Vandalism
  • Fire
  • Smoke
  • Explosion
  • Lightening
  • Vandalism
  • Windstorms
  • Theft
  • Water damage from plumbing

Renter's insurance will not cover normal wear and tear on your property, neither will it cover earthquakes or floods. Fortunately, you can purchase separate policies to protect your home against earthquakes and floods. Should you need additional coverage for valuable possessions like fine art or jewelry, we're here to help with this too.

Covers Living Expenses

If you're forced from your home due to a fire, explosion, or other insured disasters, your renter's insurance pays reasonable additional costs for temporary living expenses such as hotels, rentals, or other related costs until your home is ready for use.

Liability

If someone injures themselves on your property or is injured elsewhere by you, a family member, or your dog, renter's insurance will help pay legal defense fees and related damages such as medical expenses and associated replacement costs.

Try to maintain an ongoing inventory of your possessions by keeping a list, saving receipts, or by taking a video of each room. This will also assist you in deciding which limits of liability best fits your needs.

At BCA Insurance Group, we want you to have the peace of mind renter's insurance provides. Call one of our New Jersey insurance professionals or visit one of our offices in Marlton or Northfield, NJ. We are waiting to answer your questions. If you are looking for insurance outside of New Jersey, we also provide policies for New York and Pennsylvania.