Renters Insurance West Linn, OR
Does my landlord insure the property I rent in West Linn, OR? Yes; but that insurance covers only damage to the structure, not your personal property. In case of a fire, water damage, or burglary, you, the tenant, will be responsible for replacing your belongings out of your own pocket unless you have a renters insurance policy. Protect what’s important to you with help from Schmidt Insurance Group.
Schmidt Insurance Group proudly serves the local Portland area and the entire states of Oregon and Washington. Our team consists of born-and-raised Oregonians who are specially trained in high-net-worth households and can help you find the exact amount of coverage you need.
What is Renters Insurance?
Renters insurance protects the personal property (or contents) of your rented apartment, duplex, condo, or home from loss caused by damage or theft. This can include furniture, clothing, electronics, appliances, jewelry, art, collectibles, and other household goods.
The policy also provides liability coverage to protect you financially in the event of injuries to a visitor or damage that you, your family members, and even your pets may cause on the premises. If, for example, you accidentally left the water running in your 4th-floor apartment when you left for work, renters insurance would pay for the water damage to your neighbors’ personal property!
Renters insurance also covers your belongings while they are away from home; say, for example, the golf clubs in your trunk or the skis you left outside the lodge while you had lunch only to find that they have mysteriously disappeared.
If you come home from a weekend out of town to find that a power outage left you with a refrigerator full of spoiled food, you may think you’re out of luck. Your renters insurance may cover the ruined food under your personal property coverage!
If you are temporarily forced to leave your rented home because damage or a covered peril (like smoke or fire) has made it unsafe or uninhabitable, your renters insurance may pay for you to stay at a nearby hotel or a different apartment or house and cover some of the living expenses you incur.
How To Apply for Renters Insurance
Applying for renters insurance at Schmidt Insurance Group takes just a few simple steps and can typically be done in an afternoon.
- Know your residence information (i.e., apartment, condo, house, etc.).
- Figure out what is and isn’t covered by your landlord’s insurance policy.
- Create a home inventory of your belongings and estimate their value. Take advantage of home inventory apps for smartphones, such as Nest Egg, Sortly, or MyStuff, that will help you log, price, upload photos of, and track all of your items.
- Decide how much coverage you want. If you have valuable items like jewelry or art that would be excluded from most renters insurance policies, you may need to purchase riders or endorsements to provide full coverage for loss, theft, or damage.
- See if you could qualify for any discounts by bundling your insurance policies with a company you trust (e.g., homeowners insurance, auto insurance, etc.) or by installing safety features like smoke detectors and burglar alarms.
- Get your renters insurance quote.
When you rent a home, condo, or apartment in West Linn, OR, you should consider renters insurance from Schmidt Insurance Group to protect your personal belongings. We know our Schmidt and make it easy to find the coverage you need! Reach out to us at (503) 206-0881 for more information.
