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United Insurance Agencies

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Renters Insurance in Omaha NE

If you rent a house or apartment, protect yourself with a renters or tenants insurance policy.

This insurance covers your belongings against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm (tornadoes) and water damage (not including floods).

Like homeowners insurance, renters insurance also covers your responsibility to others injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.
There are two types of renters insurance policies:
  • Actual cash value– pays to replace your possessions minus a deduction for depreciation up to the limit of your policy
  • Replacement cost– pays the actual cost of replacing your possessions (no deduction for depreciation) up to the limit of your policy

Do you own some more expensive items such as jewelry, silver, furs, etc.? If so, consider adding a floater, a separate policy that provides additional insurance for your valuables and covers them for perils not included in your policy such as accidental loss.

United Insurance Agencies provides some of the most competitive rates in Omaha. Call today for renters insurance, 402-492-8020.