Jefferson County
Whether you rent an apartment in Steubenville, a house in Carrollton, or you’re a student at Franciscan University, your landlord’s insurance doesn’t cover your belongings or your liability. Renters insurance does — usually for less than the cost of a dinner out each month.
What renters insurance covers
- Your belongings — furniture, clothing, electronics, and other personal property, whether they’re damaged at home or stolen from your car
- Personal liability — if a guest is injured in your home or you accidentally damage someone else’s property
- Additional living expenses — hotel, meals, and other costs if a covered loss forces you to move out while repairs are made
- Medical payments to others — minor injuries to guests, regardless of fault
Replacement cost vs. actual cash value
This is the most important choice on a renters policy. Actual cash value pays what your used belongings are worth today, after depreciation. Replacement cost pays what it costs to buy new. The difference in premium is usually small and the difference in a claim can be large. We’ll show you both.
Coverage to ask about
- Jewelry, firearms, collectibles, and other valuables that have lower limits on a standard policy
- Water backup from a sewer or drain
- Flood coverage if you live in a flood-prone area
- Higher liability limits, especially if you have a dog
Local help when you need it
When something goes wrong, you can call or stop in at our Wintersville, Bergholz, or Carrollton office and talk with someone who knows you. We’ll help with the claim, too.
