Renters Insurance

Renters insurance will protect you and your valuables.

If you rent a home or apartment, your landlord is only responsible to cover the cost in damage and repairs for the building should a fire or another disaster occur. Renters insurance is designed to provide coverage for tenants who do not have any insurable interest in the dwelling or other structures. Below is a list of some of the coverage available to you through OS Insurance Services:

Personal Property

Personal property owned or used by any insured is covered for any damage arising from Fire, Ligntning, Windstorm, Hail, Explosion, Riot, Aircraft, Smoke, Vandalism, Theft, Falling objects, Collapse, Accidental discharge or overflow of water or steam and Breakage of glass.

Loss of Use

Should you suffer a covered loss and need to live elsewhere while damage is being repaired “Loss of Use” coverage pays for your additional living expenses, meaning any necessary increase in living expenses you incur so that your household can maintain its normal standard of living.

Liability

A claim is made or a suit is brought against any insured for damages because of a bodily injury or property damage caused by an occurrence.

Medical Payments to Others

Medical expenses means reasonable charges for medical, surgical, X-Ray, dental ambulance, hospital, professional nursing, prosthetic devices and funeral services. This coverage does not apply to you or regular residents but only to those who are on the insured’s location with their permission.

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  • We Can Help

    We can help you understand the different coverage types available in your state. Then you can decide what limits and deductibles best fit your needs.

  • Multi-Policy Savings

    We give you multiple ways to save money when you choose more than one insurance policy.

  • 24/7 Claims Hotline

    Because accidents, thefts, or anything can happen any time, you can call us any time. We have claims experts on call to help walk you through the claims process and provide a quick, quality response.

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