At Craig Insurance Group in Raleigh, NC, we want everyone to have the insurance coverage they need at a price they can afford. Knowing how to shop for insurance is the first step to getting a good deal. Each type of insurance is unique, but these steps will help you when shopping for renters’ insurance.
Assess Your Valuables
You don’t necessarily need to inventory the items in your rental, but it will absolutely help you find a renters’ insurance policy that fits your needs. Get receipts if you can, especially for more expensive items. Take pictures of everything, and store them somewhere you can reach them if you lose everything else. Online storage is a good option, but you should keep multiple backups. Feel free to bundle less expensive or bulk items together on your list.
Research Renters’ Insurance Providers
Even if you have a working relationship with one provider for another type of coverage like your auto policy, you should research potential providers through the lens of renters’ insurance. Look for their renters’ insurance options. Reviews from customers who had renters’ insurance through those companies can sometimes be helpful, but they’re not always unbiased.
Ask for a Quote
Once you’ve decided which providers you’d like to try, it’s time to get quotes. Few insurance providers will give you more than the basic idea of their coverage options without more details. Price quotes you see in reviews are not very reliable for that same reason. Once the provider has your details, they apply their company policy to the details to determine your premium, liability limits, and other policy factors.
Get an Agent’s Help
An insurance agent specializes in helping pair people with an insurance provider. Craig Insurance Group can help Raleigh, NC renters compile their asset information, add insight into insurance providers, and get quotes from multiple providers with less hassle.