Category: Renters Insurance

Whether you live in Oklahoma City, OK, or somewhere else, you might be a Vance Insurance Group LLC customer. Even if you aren’t currently a customer of our insurance group, you may have a renter’s insurance policy. For some people, the process of filing a renter’s insurance claim can be confusing, especially if they’ve never filed a claim before. However, the process doesn’t have to be confusing, and here is an overview so you’ll know what to expect if you ever need to file one.

Filing the Claim

It’s pretty easy to file a claim. You can do it online via your carrier’s website or call the insurance company, and an agent will obtain the information for your claim and file it for you. 

The Review Period

Once your claim has been submitted, it will be assigned to an agent. The agent will perform an investigation and possibly ask you some additional questions. 

The Decision

Not all claims are approved. There could be several reasons why your claim might be denied, but in most cases, as long as you can prove the event that damaged your property occurred and it’s covered under your plan, it should be approved. Once approved, you will be contacted with an offer, and if you accept, payment will be mailed to you, or some other arrangements will be made. 

As you can see, the renter’s insurance claim process is pretty simple. If you’re not already a customer of Vance Insurance Group LLC and live in Oklahoma City, OK, you might want to consider calling us. Switching to Vance Insurance Group might be a great idea unless you’re completely satisfied with your current insurance company. Not only do we pride ourselves on providing some of the best rates, but our licensed agents are friendly and go above and beyond to meet customers’ needs. Give us a call today for a quote. 

Renters have unique insurance needs that pertain to their situations. Because they are renting a home instead of owning it, they don’t need to have an insurance policy such as a condo or home insurance. These types of insurance are important, but they are mainly used for protecting the building. Renters don’t have to pay to protect the building, as the landlord takes care of that. Instead, they need to take care of their own interests which include protection for their belongings and liability coverage.

To get the specific coverage you need as a renter, call us at Vance Insurance Group LLC in Oklahoma City, OK to get a policy of your own. 

Why Renters Insurance?

Liability Protection

One of the types of coverage that you get with these policies is coverage for your liability. This often includes a number of types of liability that cover scenarios where someone who doesn’t live in your household gets injured while in your rental or elsewhere as described in the policy. This saves you from having to pay the exorbitant costs of medical bills for people who do get injured there. This can save you an enormous amount of money after an injury.

Item Protection

One of the main ways that this type of insurance protects you is by protecting the items inside your home. This coverage protects you against item damage that can happen after a covered event. If something damaging were to happen to them, your insurance would pay for those items so that you won’t have to. It’s always a good idea to have this insurance, and most landlords today require their tenants to have it. 

Get a Renters Policy

Never rent a home without having the proper insurance in place. Call us at Vance Insurance Group LLC in Oklahoma City, OK to find out more.

Renters insurance is often overlooked. Many people do not think that they need renters insurance, often because they do not realize the many benefits of these policies. Even if your landlord does not tell you that you need to have renters insurance, there are plenty of reasons to consider getting a policy of your own.

So, do you need to get renters insurance even if your property owner does not require it? Vance Insurance Group LLC serving Oklahoma City, OK can help answer that question.

Your Belongings Are Worth Protecting

The first reason you should consider getting a renters policy is to protect the items you own. You might not think that you own a lot of things, but your policy can still cover your electronics, including your television and laptop.

Your Landlord’s Insurance Won’t Cover You

Next, you need to know that your landlord’s homeowner’s insurance policy will not cover your belongings if something happens to the home you live in. Your coverage covers your belongings, hotel stays, and other expenses you might need when something happens to your home.

You Can’t Plan for a Disaster

No matter how much you plan, you cannot always plan ahead for a disaster. You don’t always know what kind of damage is going to happen or how long you will be unable to stay in your home. This means you need protection before something terrible happens to your home.

Get Renters Insurance Today

Vance Insurance Group LLC, which provides service to the people of Oklahoma City, OK, can help you understand your needs as a renter. Contact our office today to learn more about your policy options.

Having the right insurance to protect what’s yours is extremely important. One of the best ways to do that when you don’t own your home is through renters insurance. This insurance doesn’t provide coverage for the structure you’re living in, but it does cover the items inside of that structure. So it’s not for the dwelling, but for your belongings instead. At Vance Insurance Group, LLC, we can help customers in the Oklahoma City, OK area find the insurance policy they need when they’re renting a place to live, so they can feel confident that they’re protecting their belongings the right way.

A renters policy is focused on the renter’s personal items, including clothing and furniture. If you have something more unique or unexpected, such as an antique hutch or a grand piano, for example, you’ll want to make sure you talk with your agent about whether you’ll need a higher level of coverage. Some people want to add to their policy when they have these kinds of items because they can be more difficult to replace under the standard coverage limits. A dedicated agent can help you find the policy that’s truly going to meet your needs.

Reach out to us today at Vance Insurance Group, LLC and let us help you with your renter’s insurance needs. If you’re located in the Oklahoma City, OK area, we’re here to give you the support and guidance you need to select the right policy to protect your belongings. You don’t need to worry about the structure of the house or apartment. That’s the responsibility of the landlord, and they’re the ones who provide insurance for it. But if you want to protect your personal belongings, you need to make sure you have a rental policy you can rely on.