Like homeowners policies, renters policies will also provide some liability protection if someone is injured while inside your rental unit. Renters insurance, on the other hand, only covers your personal property (furniture, clothing, etc.) against named perils. If you have a mortgage, your lending institution will certainly insist that you carry enough insurance to protect its investment. Other choices you’ll have to make will include the size of your deductible, endorsements to cover certain classes of valuables, and additional coverage for special types of risks such as earthquake and flood, which aren’t included in standard homeowners policies. Policies can be written to pay claims at Actual Cash Value or Replacement Cost. Named Perils policies cover only what is specifically spelled out in your policy All-Risk covers everything EXCEPT what is specifically excluded. Why wait? Get a home insurance quote from OUTsurance today.Homeowner’s insurance policies are basically written as All-Risk (or Open Peril) or Named Perils. The advisor will also explain the product and benefits to you in greater detail and will gladly answer any queries or address any objections you may have. Our friendly sales advisors are the true experts when it come to home insurance and they’ll gladly provide you with a home insurance quote that will not only fit your pocket, but that will also cater to your specific insurance needs. You’ll also be insured in case of personal liability claims – if you can be held legally responsible for damaging or causing injury to someone else or to their property. Let OUTsurance help you with a great home insurance quote for an all-inclusive insurance package that will cover your household contents in case of damage caused by fire, subsidence, theft, as well as acts of nature.

The fact of the matter is that even with all of the above security measures in place, there’s still no guarantee that your home won’t be broken into. Especially if you live in an age where access-controlled gates, security alarms, high-fenced walls, palisades, beams and heat-censored alarms have become standard requirements for any homeowner or future homeowner. There’s no excuse good enough not to get your home insurance sorted.

Comprehensive home insurance is just one phone call away!

Free home quote