Renters insurance is a must-have for anyone who rents or leases their home, but it can be difficult to navigate the world of policies and prices. Here are some tips on how to get the best renters insurance policy possible
#1 Shop Around 
Searching for the best deal on renters’ insurance is like searching for the best deal on anything else: it's time-consuming and frustrating, but it pays off if you're able to find a policy that fits your needs. When shopping around, it's important to ask about all your options. When comparing policies, keep an eye out for any extra perks that might be offered by one company over another (like free lifetime claims service or 24/7 customer support).
Or, if you don’t want to go through the hassle of shopping for renters insurance yourself, let Fiorentino Insurance Group take the burden off your shoulders and do the legwork for you!
#2 Read the Fine Print
Read the entire policy document. It's a good idea to read through all your insurer's documents, including the fine print. This can help you understand what is covered and what isn't, which will give you better peace of mind. Understand what is covered and what is not, check exclusions carefully before you sign on the dotted line for any new insurance policy or renew an existing one; they're often very specific and may affect your ability to file claims if certain events occur during your tenancy period.
The same goes for limits—don't assume that every claim will be covered under a policy unless explicitly stated as such in its terms and conditions section.
#3 Consider Your Deductible vs. Premium
A deductible is the amount you will pay out of pocket when a claim is made. Higher deductibles mean lower premiums, while lower deductibles mean higher premiums. A higher deductible also means that you are responsible for more of the cost of repairs and replacements, but this can potentially be offset by a higher payout, based on the terms of your policy, if something does happen to your rental property.
#4 Ask About Coverage for Sudden Water Damage
It’s important to know what type of coverage you have if a sudden water damage claim arises. Sudden water damage can be expensive to repair, so having renters insurance that covers such incidents is essential.
How Can we Help? 
With these tips, you're well on your way to finding the best renters insurance policy for you. Keep in mind that the best policy is one that fits your specific needs and budget. Be sure to shop around and ask questions before settling on a particular insurer or policy.
If you’d rather avid the hassle and stress of shopping around for the best renters insurance policy, we are here to help. We would be happy to find you the renters insurance that best suits you. Contact Fiorentino Insurance Group today to speak to a licensed agent and be on your way to having peace of mind that you are covered should an accident occur at your home.