Although Assurant is not the most well-known insurance company, its renter’s policies are worth considering. Assurant renters insurance includes coverage that most other insurance companies charge extra for (or do not include at all), providing you with more value for your money. However, the company receives far more consumer complaints than one would expect from a company of its size. If you only need liability coverage, Assurant offers a “Liability Only” policy to renters living in its partner properties. A typical renters insurance policy protects you and your belongings in the event of an accident that damages you or someone else’s belongings. Assurant renters insurance provides standard coverage as well as coverage for mold, pet damage, and rent protection.
The standard Assurant renters insurance policy covers not only the expected items but also a few that most insurers do not. For example, instead of actual cash value, the policy provides replacement cost coverage for your personal belongings. That means that if you have to file a claim, you will receive enough money to purchase brand-new items rather than a lower amount reflecting their depreciated value. Many insurance companies charge an additional premium for replacement cost coverage.
Assurant also covers liability claims and mold-damaged belongings. You can also add your roommate to your policy at no additional cost. (Just make sure you have enough space for everyone’s belongings.) Although most renter’s insurance policies do not cover bedbugs, Assurant’s policies will cover extermination and other bedbug-related costs in some states. Depending on where you live, you may also be covered for spoiled food if your power goes out, or for additional living expenses if you are forced to relocate due to a flood. (Please keep in mind that the policy does not cover flood damage; you must purchase separate flood insurance for renters.)
Optional coverage can be added to your policy for the following scenarios: damage caused by pets, identity theft expenses, rent payment(s) if you lose your job, and so on. Earthquake damage, as well as damage from a clogged drain or sewer. Looking for a less expensive renters insurance policy? If you live in one of Assurant’s partner properties throughout the United States, you can select the company’s Liability Only policy. This no-frills option will not cover personal belongings but will cover accidental damage to your unit or a neighbor’s. For example, if you accidentally start a kitchen fire, the policy may cover the replacement of your apartment’s charred walls and cabinetry but not your oven mitts. It also covers some personal liability expenses if your dog bites a visitor.
You can save money by paying your renter’s insurance premium all at once rather than monthly or quarterly. Depending on where you live, you may be eligible for a discount if you have safety and security devices such as fire alarms or sprinkler systems. Other discounts differ by state as well. Guest Medical Protection assists visitors who are injured on your property. It can help cover medical expenses in the event of an accident, regardless of who is at fault. Medical expenses that are typically covered include ambulance rides, X-rays, surgical procedures, and hospital stays. Please keep in mind that guest medical coverage does not extend to anyone who lives in your home or is listed on your policy.
Personal Property Protection insurance covers items in your home such as furniture. Personal property coverage may help you cover the cost of replacing them if they are damaged or lost. Following a covered loss that exceeds the insured’s normal expenses, the Reimbursed Living Expenses coverage reimburses the insured for the cost of maintaining a comparable standard of living. For example, it could include an insured’s motel bill while the home is being repaired or replaced due to fire damage, or until the insured moves to a permanent residence.
If a claim is made against you or you are sued as a result of a covered occurrence, your renter’s personal liability coverage may assist in covering the associated legal fees and damages. For example, if a visitor falls and breaks a leg in your apartment, your renter’s insurance policy may be able to help protect you. Earthquake Coverage pays for some of the losses and damage caused by earthquakes to your home, belongings, and other structures on your property.
Identity Theft Protection protects homeowners from identity theft and covers the cost of restoring their identity. Sewage and Drain Backup Coverage assist you in repairing water damage caused by overflowing drains and sewers, broken sump pumps, and damage caused by water rising from the ground. Items such as expensive collections, engagement rings, watches, and other jewelry are protected from theft, loss, or damage with valuable personal property coverage.
Assurant Home & Renters Insurance provides some advantages that other insurers do not. Customers, for example, can add unemployment coverage to their renter’s insurance policy. If you lose your job, this coverage will help you pay your landlord’s rent. Assurant also provides coverage for pet damage, identity fraud, and sewer backup protection, allowing you to get more protection from a single insurance policy. With Assurant Home & Renters Insurance policies, you can customize your monthly bill by changing things like the coverage limit and deductible.
Assurant Renters Insurance CANCEL GUIDES
Get together the following account information:
First Name
Last Name
Phone Number
Email Address
Username
Password
Billing Address
City
State/Province/Region
ZIP/Postal Code
Country
Reason for Cancellation
Last 4 Digits of Card
Date of Last Charge
Amount of Last Charge
Policy Number
Phone (Live Agent)
Follow these steps:
Contact customer service at 1-888-260-7736
Select option 5
Give the rep your account info
Advise the rep that you need to cancel
Request a refund, it never hurts to ask
Make sure that you won’t be charged again
Be sure to keep the email and/or confirmation info about the cancellation
