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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Renters
Personal Property
Risk Factor

Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.

Solution

Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.

Limits and Exclusions
Risk Factor

Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles, collectible cards, and coins may have limited coverage or may not be covered.

Solution

Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.

Additional Living Expense
Risk Factor

If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.

Solution

Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses–such as moving costs, increased food costs, and other expenses.

Liability
Risk Factor

You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.

Solution

Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.

Medical Expenses
Risk Factor

You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.

Solution

Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.

Landlord
Risk Factor

You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.

Solution

Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.

Improvements or Betterments
Risk Factor

Any improvements or betterments that you have made to your unit are subject to damage.

Solution

Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.

Contents Away from Home
Risk Factor

You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?

Solution

Be sure to add off premises theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.

Premises Liability
Risk Factor

You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.

Solution

Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.

Renters Insurance 101

Make sure you cover the unique risks you face with renters insurance.

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Learn More About Us

CoverageHut is a subsidiary of Hosket & Ulen Insurance, which offers a broad range of personal and business insurance solutions.

CoverageHut was designed to make it easy for our Ohio community to obtain excellent insurance coverage at an affordable price. We understand that it is difficult in today’s sea of insurance advertisers to understand what coverage you need and how to obtain it, and we are here to simplify the process.

Our website contains resources for all your insurance buying needs. Whether you need to obtain new coverage or revise your policy, we are here to help you find the best policy at the best price. Feel free to navigate or contact an experienced advisor to help you fully understand your options. Read more about us!

Focused Coverage

Our focus on niche solutions help provide a thorough policy created just for you.

Experienced Agents

With extensive experience, we understand what it takes to bring you quality coverage.

Clients Come First

We go the extra mile to exceed your expectations, no matter what you need.

The Solution To Your Insurance Needs

Providing coverage solutions, including renters insurance and valuable possessions insurance is what CoverageHut does best.

Renters Insurance

Renters Insurance

When you rent or lease, your landlord’s insurance usually only protects the building itself—not your personal belongings. We’ll design coverage to protect your personal property and your lifestyle while renting.

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Valuable Possessions Insurance

Accidents happen. Stones fall out of diamond rings. Antiques break. Art gets stolen. We’ll get you the protection you need for your most precious belongings in the event of loss through theft, accident, or natural disaster.

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Valuable Possessions Insurance

Valuable Possessions Insurance

Valuable Possessions Insurance

Accidents happen. Stones fall out of diamond rings. Antiques break. Art gets stolen. We’ll get you the protection you need for your most precious belongings in the event of loss through theft, accident, or natural disaster.

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Dublin, OH

6640 Riverside Drive, Suite 400
Dublin, OH 43017

Our coverage solutions extend to clients throughout Central Ohio.

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