Renters Insurance

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We Know Renters Insurance

By partnering with specialized insurance agencies, KRS Agency can provide renters with convenient access to policies designed to fit their lifestyles. This accessibility makes it easier for renters to obtain the coverage they need without having to navigate complex insurance offerings on their own.

Partnered With Your Community

KRS Agency covers you across the nation to offer their residents the best renters insurance protection available. As a resident at one of our preferred partner rental locations, you are pre-qualified for an enhanced policy at the preferred partner group rate.

Not All Policies Are Equal

When considering renters insurance, it’s essential to weigh the benefits of different policies carefully. KRS Agency offers coverage enhancements tailored specifically for renters, providing additional protection that might not be available through other third-party insurance agencies.

3 Common Misconceptions About Renters Insurance

1

I Don't Own Enough Valuable Items to Need Renters Insurance.

This is a common misconception among renters who believe their personal belongings aren’t valuable enough to warrant insurance coverage. However, renters insurance doesn’t just cover high-value items like electronics or jewelry; it also includes everyday items like clothing, furniture, and kitchenware. The cost of replacing these items can add up quickly in the event of theft, fire, or other covered perils.

2

My Landlord's Insurance Policy Will Cover My Belongings.

Many renters mistakenly believe that their landlord’s insurance policy will provide coverage for their personal belongings. In reality, a landlord’s insurance typically only covers the physical structure of the building and liability protection for the landlord. Renters insurance is necessary to protect a tenant’s personal property and provide liability coverage for accidents that occur within the rental unit.

3

Renters Insurance Is Too Expensive.

Some renters avoid purchasing renters insurance because they perceive it as an additional expense they can’t afford. However, renters insurance is generally quite affordable, with policies typically costing less than a night out or a monthly streaming subscription. Additionally, the peace of mind and financial protection that renters insurance provides in the event of a covered loss far outweighs the cost of the premium.

Understanding these common misconceptions can help renters make informed decisions about the importance of securing renters insurance to protect their personal belongings and provide liability coverage.

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