5 Reasons to Choose Nationwide Renters Insurance
Protection for your apartment against damage and theft
Your landlord’s insurance policy doesn’t cover your belongings. Apartment insurance can help replace your valuables if you become the victim of theft.
Competitive renters insurance rates
Our competitive rates allow you to protect your property without breaking the bank.
Renters insurance discounts
Bundle and save on apartment renters insurance when you combine your policy with auto insurance. You can also lower your premium with a protective device discount and claims-free discount.
Superior claims service
When it comes time to file a claim, trust us to be there in the aftermath of an unfortunate event. Filing a claim and getting on with your life has never been easier.
On Your Side® Review
Make sure your apartment insurance coverage keeps up with your life. A Nationwide insurance agent can help you choose the coverage and discounts that fit your needs and your budget.Stay Protected with Renters Insurance Coverage
Extended Replacement Cost
This renters insurance coverage pays to replace or repair personal property without depreciation being taken from the value of the property.Water backup
This coverage protects you against losses caused by water that backed up through sewers or drains. (This is not the same as flood insurance.)Scheduled personal property
Provides additional coverage for high-value items, such as jewelry, watches and furs, as provided by your policy and state law.Personal liability
Personal liability renters insurance policies may cover bodily injury and property damage to others caused by your actions or negligence.Personal umbrella liability insurance
A personal umbrella policy offers an extra layer of protection for your assets. This includes bodily injury, property damage and personal injury to others for which you are held liable.Medical payments
Medical payments may help cover others' medical expenses resulting from an accident on your property. For home and apartment renters, insurance under this coverage plan does not apply to you or regular residents of your household.Ordinance or law
This insurance help cover increased expenses if you need to rebuild due to current building codes or ordinances.Credit card
Credit card coverage pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. This renters insurance coverage also applies to forged checks and counterfeit money.Firearms
Firearm coverage may help pay for the physical loss of firearms and accessories.Personal injury liability
This renters insurance coverage may help pay for damages awarded to others due to injuries such as false arrest, libel, slander and invasion of privacy for which you are responsible.Theft extension
This option provides extended protection for your personal belongings stored away from your home in or on any motor vehicle, trailer or watercraft.Earthquake and volcanic eruption
This insurance pays for covered losses to your property caused by earthquake or volcanic eruption up to the limits you select.Building/additions/alterations
This option pays for covered damages to additions, alterations, fixtures, improvements or installations that you make to your residence.Loss of use
This coverage helps pay for additional living expenses resulting from being unable to live in your home.Hurricane
Hurricane insurance provides coverage for property damage resulting from a hurricane. However, this coverage may be subject to special terms, conditions and deductibles in coastal states.Save with These Renters Insurance Discounts
Home and car insurance discount
Combine and save. Get up to a 20% discount on homeowners and renters insurance when you insure your car with Nationwide.
Protective device discount
Get a discount on renters insurance if your rental home has smoke detectors, fire alarms, burglar alarms or other qualifying devices. Take advantage of our free renters insurance quotes to see what you can save. Claims-free discount
Qualify for a renters insurance discount when you stay claims-free.Clear Call 1-877-On Your Side® (1-877-669-6877) Anytime Find an Agent
7 Tips to File a Homeowners or Renters Insurance Claim
1. Report the incident to authorities. For a burglary, vandalism, fire or other trauma, this is a vital first step. Leaky roofs, malfunctioning HVAC systems, etc. aren’t typically reasons to contact the police or fire department. If police and fire are dispatched to your residence, give them all the details of the event. Keep copies of their reports – you’ll need them when filing your insurance claim.
2. Call your insurance company. After you file a police or fire report, contact your insurance agent or company’s claims department. Your policy probably requires you to do so within a certain amount of time after the loss. When you call, have all of the details of the incident, plus your policy number.
3. Complete a claims form with your agent. This form includes all the details of the incident. Be thorough – note what was damaged, when and how. For smaller claims, filing a claims report should suffice. For larger losses, your agent may send an adjuster to inspect the damage.
4. Document the damages. Before you begin cleanup, photograph or record the damage and include the images with your claim. It’s a good idea to visually document your home and belongings before a loss, so you have “before” and “after” images when filing a claim.
5. Make temporary repairs so your home is safe and livable. While you’re waiting for your claim to be processed, you may make temporary repairs. But review your policy for guidelines about what’s covered and be sure to save your repair receipts. Don’t start permanent, major repairs or renovations until your claim is complete and your compensation is confirmed.
6. If you have to move temporarily, save your receipts. If the damage to your residence is so extensive that you must relocate for a while, your policy may help cover those costs. Save hotel and restaurant receipts – and discuss with your agent how to submit them for reimbursement.
7. Make yourself available. Be reachable and ready to talk with your insurance agent and claims adjuster after you file a claim. The faster you can answer questions and provide necessary information, the faster your claim can be processed.
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