Washington and Oregon Renters Insurance Quotes

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If you rent an apartment, condo or townhome in Washington or Oregon, you need renters insurance. Add up the value of all your belongings. You’re probably looking at thousands of dollars. Could you afford to replace your property if it were stolen during a break-in or damaged during a fire?

Think about it – all your electronics, computers, jewelry, clothes, and furniture. Maybe something even more valuable like an engagement ring, art collection or musical instrument. Add up the value of all your property and you’re probably looking at thousands of dollars. Could you afford to replace it all if it were stolen or damaged in a fire? A Vern Fonk Washington or Oregon renters insurance policy covers your property at home or on the go.


Reasons to Buy Renters Insurance

Renters Insurance Protects Against Theft

Studies show that more burglaries happen in apartment buildings than other types of housing. According to the National Crime Prevention Council, apartment buildings are 85 percent more likely to be victimized by burglaries than other types of housing. While having insurance is a requirement for home owners, only 43% of renters have a Washington or Oregon renters insurance policy, industry statistics show.

Renters Insurance Pays for Property Damage

We know the weather in Washington and Oregon can be unpredictable. What if your possessions were damaged due to fire, lightning, windstorms, smoke, water, hurricanes, or tornadoes? Natural disasters are usually unexpected. Think of the thousands of hurricane Katrina victims who were not reimbursed for their losses.

You’ll Get Liability Protection with a Renters Insurance Policy

Mistakes happen. You break the apartment’s diving board. Your bathtub over-flows (ruining the person’s ceiling on the floor below you). Someone falls off your couch, breaks their leg and then sues you for it.

You may find yourself held liable for an accident – whether you are responsible for it or not. In today’s litigious society, many people are all too happy to sue you. With renters insurance from Vern Fonk, we will defend you in court and pay any claims that came out of it.

Renters Insurance Is Affordable!

Renters Insurance is inexpensive. For all the protection that if offers, it doesn’t make sense not to have it.

What Does Renters Insurance Cover?

  • Fire or lightning

  • Weight of ice, snow or sleet

  • Explosion

  • Aircraft and vehicles

  • Smoke

  • Sudden and accidental tearing or bulging of heating or cooling systems

  • Windstorm or hail

  • Theft

  • Riot or civil commotion

  • Falling objects

  • Vandalism or malicious mischief

  • Sudden and accidental water discharge from plumbing or appliances

  • Freezing of plumbing systems

What is Not Covered by Renters Insurance

Bodily injury or property damage that is expected or intended by the insured
Business pursuits
Professional services provided or not provided
Ownership, operation, use, or maintenance of aircraft, motor vehicles, and certain watercraft

Whether you own or rent, you are responsible for your own personal property. Many people -especially apartment renters, are unprepared for theft, damage or a property law suit. Not having renters insurance to cover these unexpected events can result in financial trauma.

Renters insurance is an insurance policy to protect you financially from the loss of your household possessions by damage or theft and for accidents to visitors to your home.