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AlphaSure Affordable Insurance Svcs Blog

Renters Insurance for College Students

A renters insurance policy covers your personal possessions, whether you rent at a friend’s house, in a dorm, or in a house or apartment. However, some belongings are also covered at places you visit, such as areas on campus, the gym, etc. Renters insurance covers incidences such as accidents, theft and disasters on the property. AlphaSure Affordable Insurance Services in San Antonio, TX is here to assist.

What Does Renters Insurance Cover?

A traditional rental insurance policy covers three areas of protection.

  • Personal Property Protection: This covers the value of your personal belongings in the dwelling, including TVs, computers, smartphones, game consoles, jewelry, bikes, and more. Your insurer will outline precise coverage.
  • Personal Liability Coverage: Situations (including medical expenses) where you are liable for harm to others or their property, such as guests or other occupants are covered.
  • Loss-Of-Use Protection: Should you rent a home, room or apartment in particular, you might need to relocate unexpectedly for a short period. If the property is deemed uninhabitable due to perils, mold mildew, or discovered code violations, this coverage will pay for your living expenses during that time.

How Much Coverage Is Needed?

While some renters insurance policies have set maximum payments for certain things, others may let you customize coverage beyond standard limits. Add up the estimated cost of your valuables and essentials, and take photos of high-dollar items. Include goods, including computers, furniture, sporting gear, jewelry, electronic devices, kitchen equipment, and clothing. With a figure in mind, your agent will help you determine appropriate replacement costs.

College Students: Stay Covered with Renters Insurance

Going to college can be daunting enough, and protecting your private belongings can be comforting and come in handy should an incident occur. Contact AlphaSure Affordable Insurance Services in San Antonio, TX to talk to an agent about policies and get a quote.

Renters Insurance Exclusions

Renters insurance is a policy offering tenants coverage for various perils and liabilities. If you rent in and around the San Antonio, TX metroplex, contact the insurance professionals at AlphaSure Affordable Insurance Services to learn about a new renters insurance policy or determine if your current coverage is sufficient.

These situations, however, are not typically covered by this policy:

Damage Caused By Certain Perils

While insurance for renters typically covers fire, vandalism, theft, and defined weather events, it doesn’t typically cover floods, earthquakes, and hurricane damage. Additional coverage can be purchased to cover those perils.

High-Value Items

Personal belongings are typically covered in a renter’s policy; however, there may be coverage limits on expensive items like jewelry, artwork, and more. These items can be covered by a rider added to the policy.

Intentional Damage/Illegal Activities

Intentional damage or that resulting from illegal activities is excluded.

Business-Related Property/Activities

Renters insurance does include coverage for business property damage or damage arising from business-related activities in the unit. Separate business insurance can be purchased.

Certain Personal Property

Certain policies designed for renters may have exclusions for defined types of personal property. Separate insurance can be bought to cover watercraft, pets, and more.  

Certain Liabilities

Personal liability coverage is usually included but may have exclusions for professional services, intentional acts, specific dog breeds, etc.

Reach Out To Us

As with any insurance, it’s critical to understand the terms, conditions, and exclusions of a renters policy. Contact the licensed professionals at AlphaSure Affordable Insurance Services in San Antonio, TX for more information. We look forward to serving your insurance needs.

Will Renters Insurance Cover my Water Damaged Laptop?

Renters insurance can be a wise way to protect your belongings while you’re a renter. Your renters’ insurance policy provides protection from many different situations and circumstances. However, it can be difficult to know what’s covered and what’s not. The AlphaSure Affordable Insurance Services is happy to educate San Antonio, TX residents on the benefits of renters’ insurance as well as what’s covered. 

What’s Renters Insurance?

As a renter, tenant/renters insurance provides protection against vandalism, fires, damage from burst pipes and sewer backups, liability, loss, damage, and more. While you’re renting a home, townhome, duplex, apartment, or condo, your personal items are protected. This is similar to the type of coverage provided by homeowners insurance for homeowners. 

Will Renters Insurance Cover my Water Damaged Laptop?

Your renters’ insurance will pay for your water-damaged laptop if a pipe burst and your laptop sustain water damage, but it won’t be covered if you spill your soup on it. If a covered circumstance occurs and damages your laptop, your renters’ insurance will pay for its repair or replacement. Conversely, renters insurance will not pay for the repair of your laptop if it’s damaged due to negligence, or by an accident that you caused.

Also, your laptop will not be repaired or replaced if it stops working or malfunctions on its own, or is lost or misplaced.  We know it can be difficult to know what’s covered and what circumstances must be present for a personal belonging to be repaired or replaced.

Contact Us Today

Give us a call if you have questions about renters insurance. Our team of insurance experts at AlphaSure Affordable Insurance Services in San Antonio, TX will be happy to answer all of your questions.

Renters and car insurance

Car Insurance

Car insurance prices are typically lower in smaller cities compared to bigger one. As an example, car insurance San Antonio, TX is priced higher than car insurance Laredo, TX. Therefore, we need to look for discounts in every possible fasion. First off, insurance companies in part will base their rate on geography. Thus, a good insurance agent will try to maximize all discounts. An auto insurance quote in San Antonio, TX will be different from an auto insurance in Laredo, TX. Consequently, the rise in insurance cost is due to an increase in traffic on the roadways. Bigger cities have more traffic than compared to smaller cities.

What to do to lower your Car Insurance Rate

The good news is that there are ways to bring down the cost of car insurance in San Antonio, Tx. For example, you may qualify for a significant discount if you buy renters insurance with the company that insures your car insurance in Laredo, TX. Moreover, you will gain coverage for your personal belongings against perils like fire.

There’s another discount that may be overlooked. It is not exactly a discount but a rating factor. For example, your occupation influences the car insurance rate. As an example, teachers tend to obtain better rates than construction workers. This could be because, construction workers may visit jobsites. Along with added drive time there may be additional hazards. Moreover, safe driver or multicar discounts will help soften the cost of the car insurance San Antonio.

Lastly, but try to avoid any moving violations. Moving violations like speeding tickets greatly impact car insurance prices.

Call us today for more information. We have local insurance agents ready to help with your car insurance in Laredo, TX or your car insurance in San Antonio, TX.

Call us today for free insurance quote in San Antonio or Laredo

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

In Laredo, TX
AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

Contact AlphaSure Affordable Insurance Svcs | 201 W Del Mar Blvd, Suite 20, Laredo, TX (

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