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Nebraska Renters Insurance

Nebraska sits right in the center of the United States and is best known for farming and ranching. Unfortunately, Nebraska also produces violent tornadoes which can leave homes decimated and residents without anything. For this reason, it is imperative that the rental community protect their belongings in the event of a natural disaster striking. Whether you are renting an apartment, condo or house, your landlord’s homeowners insurance does not cover your home's contents. Getting a free, no obligation quote has never been easier. Simply enter your zip code above and complete a brief form and you will be contacted by a local insurance agent to discuss your options.

Many students leave home every August to attend the University of Nebraska, which has several branches across the state. Most of these students never consider protecting their possessions with insurance coverage. College students need Nebraska renters insurance because most of them are living in dorms, frat houses, and apartments and need coverage against natural weather emergencies, and it also protects against theft. Theft is a huge concern when living in a college town. Students are constantly working on their computer for classes. Imagine what would happen if you lost your computer. Would you be able to replace this critical piece of equipment on a college student’s budget? A renters insurance policy are is inexpensive, as little as $10 per month, and will cover all of your valuables!

Over the past decade, the Nebraska Department of Insurance has made it very easy and cost effective for tenants to protect their belongings. In order to get the right coverage, it is wise to take an inventory of your possessions ahead of time, along with the what you bought each item for. The 'replacement cost' will reimburse you for the cost of the items in today’s retail. The 'cash cost' is reimbursement at the cost when the claim was taken out. Your choice will make a small difference in your premium, so consult with an agent on the policy that fits your needs.

There are three types of policies you can choose from are basic or standard, broad form and comprehensive coverage. The best coverage option for you will depend on the worth of your belongings and your budget. If you have expensive items that you’d like to cover separately, then the comprehensive plan would be the right policy for you, but most renters are satisfied with the basic policy. Complete coverage for someone renting an apartment, home, or condo with basic coverage with $20,000 worth of possessions is approximately $225 annually. Having tenant’s insurance brings peace of mind knowing that your belongings are secure in the event of a disaster.