Renters Insurance in Jenks, OK
Renting an apartment or house does not mean you’re off the hook when disaster strikes. If your belongings are damaged or stolen, your landlord’s insurance won’t cover the loss. Renters insurance may help cover those costs and others, such as for temporary housing if your rental becomes uninhabitable following a covered event.
What Does My Policy Cover? 
Standard renters insurance typically includes three main types of coverage:
- Personal belongings coverage may cover your possessions in case of damage or loss from fire, smoke, theft, lightning, windstorms, vandalism and certain types of water damage. This may cover various items, such as your appliances, clothing, electronics and furniture.
- Liability coverage may pay for legal expenses and damages if you’re at fault for other parties’ losses, including if someone gets hurt in your home or if you accidentally damage other people’s property.
- Additional living expenses coverage may help pay for hotel accommodations, meals and other related costs if you need to temporarily live elsewhere after a covered event.
You can expand your coverage by adding the following optional endorsements or riders:
- Medical payments coverage may cover medical bills for guests injured in your home, without needing to prove fault. While sometimes purchased as an endorsement, this may be included in standard policies from some carriers.
- Scheduled personal property coverage may cover high-value possessions, such as fine art, collectibles and jewelry.
How Do I File a Claim?
Before filing a renters insurance claim, report any theft or damage to the police if a crime occurred. Document your losses, including injuries and property damage, using photos and videos. Contact your insurance company and ask about deadlines, coverage limits and the next steps. List all damaged or stolen items and, if possible, provide receipts, photos and videos. Acquire and retain a copy of an incident’s police report, if applicable, as your insurer may require it. If you need to move out temporarily, keep all receipts for meals and lodging. Be sure to fill out claim forms promptly to avoid delays.
Contact Us
Stay financially prepared with renters insurance from HBI Insurance. Contact us today to explore your options and get a custom quote.