Renter's Insurance

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As an independent insurance agency, A to Z Insurance provides exceptional service with the most affordable prices. With over 23 years of experience in the Delaware, Maryland and Pennsylvania area, and five convenient locations in Milford, Georgetown, Dover and Wilmington, A to Z Insurance Agency guarantees a protection plan that will meet specific needs to each of our clients we protect. We also have services that encompass notary stamping and documenting, small business book keeping, financial planning and investing, income tax preparation, community events, web and social media design for new businesses, new business start up plans, translation services, event protection for weddings/concerts and travel/trip planning. 

Renters' insurance is an insurance policy which provides most of the benefits of homeowners' insurance. Renters' insurance does not include coverage for the dwelling, or structure, with the exception of small alterations that a tenant makes to the structure. This provides liability insurance. The tenant's personal property is covered against named perils such as fire, theft and vandalism. The owner of the building is responsible for insuring it, but bears no responsibility for the tenant's belongings.

General requirements

Many large and medium-sized rental properties include a requirement in their lease that tenants hold renters' insurance. If the tenant damages the premises, the landlord and other tenants can recover against the perpetrator's insurance. Renters' insurance also informs the tenant that the landlord is not responsible for their belongings and that the tenant has coverage for them. But it is important to know what type of damage your insurance covers. Basically, there are three types of coverage available: loss of use, personal property, and personal liability.

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