Renters Insurance

Renters Insurance

Renting a home or apartment offers flexibility and convenience, but it also comes with its own set of risks. While your landlord’s insurance may cover the building itself, it won’t protect your personal belongings or provide liability coverage. That’s where renters insurance comes in. At O'Grady Insurance, we offer comprehensive renters insurance policies designed to protect your possessions, provide liability coverage, and ensure that you’re covered against life’s unexpected events.

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What we offer

Personal Property Coverage

Your rented home is filled with items that are important to you—furniture, electronics, clothing, and more. Our renters insurance includes personal property coverage that protects your belongings against theft, fire, vandalism, and other covered risks. Whether your possessions are damaged or stolen from your home or while you’re on the go, we ensure they’re protected.

Liability Protection

Accidents can happen, and if someone is injured in your rented home, or if you accidentally cause damage to your rental property, you could be held responsible. Our liability protection covers medical expenses, legal fees, and repair costs, safeguarding you from potential financial burdens. This coverage is essential for protecting your assets and avoiding out-of-pocket expenses.

What we offer

Additional Living Expenses

If your rental becomes uninhabitable due to a covered event, our renters insurance includes additional living expenses (ALE) coverage. This coverage helps pay for temporary housing, meals, and other living costs while your rental is being repaired. With ALE coverage, you can maintain your standard of living even in the face of unexpected disruptions.

Liability Protection

Accidents can happen, and if someone is injured in your condo or if you accidentally cause damage to another unit, you could be held responsible. Our liability protection covers medical expenses, legal fees, and repair costs, ensuring that you’re financially protected against unexpected incidents. This coverage is essential for safeguarding your assets and avoiding costly out-of-pocket expenses.

What we offer

Replacement Cost Coverage

In the event of a covered loss, replacement cost coverage ensures that your damaged or stolen items are replaced with new ones of similar kind and quality, without deducting for depreciation. This means you won’t have to settle for the used value of your belongings, giving you greater peace of mind.

Additional Benefits

Water Damage Coverage

Water damage from leaks, burst pipes, or overflows can cause significant damage to your belongings. Our water damage coverage provides protection against these risks, covering the cost of repairs and replacement of affected items. This coverage is essential for safeguarding your property against one of the most common household issues.

Customizable Policy Options

Every renter’s needs are different, which is why we offer customizable renters insurance policies. Whether you need higher coverage limits for valuable items or additional protection for specific risks, our agents will work with you to create a policy that fits your lifestyle and budget.

For Renters

Frequently Asked Questions

  • What does condo insurance cover?

    Condo insurance typically covers the interior structure of your unit, your personal belongings, liability protection, and additional living expenses if your unit becomes uninhabitable due to a covered event.

  • Is condo insurance mandatory?

    While not legally required, many condo associations require owners to have condo insurance as part of their agreement. Additionally, having condo insurance is highly recommended to protect your investment and personal assets.

  • What is loss assessment coverage, and do I need it?

    Loss assessment coverage helps pay your share of special assessments levied by your condo association for damage to common areas. It’s recommended for all condo owners to protect against unexpected costs that arise from damage to shared spaces.

  • Does my condo insurance cover water damage?

    Standard condo insurance policies typically cover water damage from burst pipes or accidental overflows. However, damage from water backups or flooding often requires additional coverage, which we can include in your policy.

  • Can I customize my condo insurance policy?

    Yes, you can customize your condo insurance policy to fit your specific needs. Whether you need additional protection for valuables or higher liability limits, we offer flexible options to ensure you’re fully covered.
Why choose us for your Renters Insurance?

Tailored Coverage for Renters

At O'Grady Insurance, we understand the unique needs of renters. Our policies are designed specifically to protect your personal belongings and provide liability coverage, ensuring that you’re fully protected in your rental home. We tailor our policies to meet your specific needs, so you get the coverage that’s right for you.

Affordable Rates

Renters insurance shouldn’t break the bank. That’s why we work with top-rated insurance providers to offer affordable rates that fit your budget. With O'Grady Insurance, you can protect your belongings and your peace of mind without overspending.

Dedicated Service

Our experienced agents are here to help you every step of the way. We take the time to understand your needs, answer your questions, and guide you through the process of selecting the right renters insurance policy. Your satisfaction and peace of mind are our top priorities.

Trusted Expertise

With over 45 years of experience in the insurance industry, O'Grady Insurance has earned a reputation for reliability and trust. Our long-standing relationships with our clients and our commitment to excellence ensure that when you choose us, you’re choosing a partner dedicated to protecting your home and belongings.

We have insurance solutions for you

For auto owners

Customized Auto Insurance Policies

Looking for the perfect auto insurance coverage that fits your unique needs? O'Grady Insurance specializes in providing tailored auto insurance solutions, ensuring you get the best protection for your vehicle without any hassle.

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For homeowners

Comprehensive Homeowners' Insurance

Protecting your home and cherished memories is our priority. Our homeowners' insurance policies are designed to offer comprehensive coverage, giving you peace of mind knowing that your home is safeguarded against unexpected events.

Home Insurance
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