questionswhat rental insurance do you recommend?

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If you already have auto-insurance, or any other type of insurance, you may want to look into staying with that provider and seeing what else they offer as far as renters insurance goes. Most insurance companies have discounts for bundling. In my experience most of the major insurance companies are competitive with their products, services, and pricing. All I can recommend though is stay away from American Family, I had them for a few years and they were extremely expensive and are rated around the worst in customer satisfaction.

I use Nationwide now for my auto and home owners insurance, they were the most reasonably priced and I hear great things. I have yet to file a claim, so I can't give a great review on their customer service yet.

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We have Liberty Mutual for homeowners and had to make an unusal claim (for stolen property that was out at a hunting cabin) - it couldn't have been handled better. We had some big ticket items stolen (TV, generator, antique cast iron pans) and there were no problems in getting the replacement money. Our agent did all the appraisal work (which was in line with our background work on estimated value as well) and basically just cut us a check. I highly recommend them. We also have our car insurance with them and I got a discount for having both policies and for being a graduate of Rutgers (not sure how many schools they have a program with or if it is just a college graduate thing). I currently have a separate policy for a different property with a different company and am in the process of switching because of the positive experience with Liberty Mutual.

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I currently have my renters though Progressive. It is bundled with my car insurance. So far so good. I previously Used Assurant, and I like them but kinda pricey. I was paying about $27 a month as opposed to the $5 a month that I am currently paying.

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have country companies on autos, and on rental. when the vehicles were broken into and stuff stolen, they gave us no issues. when we finally got the house transfered to our names, they came out and did an appraisal and said we were way under insured in value. they more than doubled value for about 25% more in cost.

also several years ago big fire consumed two trailers, and all the stuff in it. had insurance on the trailers, but not the stuff. country paid no issue on the trailers, then asked why no one had filed on the stuff. turns out that since insurance on the stuff was included on the house where we lived and they paid out lots more.

it wouldn't hurt to take an hour or two to just set with the phone book and call all the listed insurance companies and compare what they have and $$ to what you want and are expecting.

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My renters insurance is free now. The discount I got on my multi-car policy was greater than the cost of the renters insurance just for adding it. I'm insured through State Farm and cannot complain. They're on top of everything for me. Now I'm thinking about getting life insurance and Refinancing my autos with them.

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As most others have said in general the best deal is to get it from whomever is your other provider

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I use State Farm for most of my insurance needs, though I have several term life insurance policies elsewhere, through work and other things. Effectively, my condo owner's policy (basically the same thing as renter's insurance) is free due to multi-line discounts from State Farm.

Regardless of whether it is called Condo Owner's or Renter's insurance, the policy covers the contents of my apartment (or unit), with specific limits on certain types of stuff (for example, firearms and computers are each only covered up to $5000, though I could add riders with higher levels of coverage for my guns or computers if I needed them).

And thinking about this, I need to check on the coverage for wine, as I've started to collect significant quantities of wine.

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@coreyking: Hmmm sounds like I should bundle with my car insurance! I too use State Farm, was it difficult to add the rental insurance to your car insurance?

Thanks everyone for the great suggestions. I knew asking here would be super helpful!

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@mustardsquarepants: It was super easy. They just asked me to send them a picture of the front and back of the house. They even said I could text it to them if I didn't have time to email it. I was in Orlando when my wife sent me the pics and I forwarded them to our agent in Houston. We live North of Dallas... Couldn't have been easier. Well, I guess they could of done a Google street view on their own instead of needing the pictures.....

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I've been with State Farm for MANY years. When I've added renters (and watched when one of my sons did the same), the auto insurance dropped enough that the added renters policy was actually free or even a little less than what the total auto bill was. Adding it only took a couple of minutes. Start to finish we were in the office less than 15.

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I also have State Farm, and as I said in the other thread, when I added a renter's policy, the 10% multi-line discount on my car insurance more-or-less paid for the renter's insurance. If you have State Farm, call your agent, the same will likely be true for you.

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Not trying to sound like an echo but I'm pretty sure that the more you insure with a single company the better rates you get. My auto policy is cheaper bundled with my homeowner's than singly from another agency. Price-check a few, but start with your auto policy provider.

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'Bundling' policies often gets you the best total rates, while you might overpay on individual policies. Then it becomes costly to change just one coverage- say, auto- because you lose some discounting.
On the subject of renters insurance, I'll repeat what I've said on renting as well as homeowners' policies:
Along with the insurance- which is cheap- one should also use a home inventory program- which is free. This one-stored online- allows you to record model & serial numbers as well as photos of the insured items. If it's all lost, all you need is your login to access your inventory.
https://www.knowyourstuff.org/iii/login.html
Also, if you don't already, seriously consider backing up data and photos online, even if it's nothing more than emailing it to yourself- most(like gmail and yahoo) allow you to store up to 10 Gigs of email free, and that's a LOT of data or irreplaceable pics.