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Renters Insurance


Renters Insurance Quote Forms

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Renters Insurance Information

Renters Insurance

You have a lot of things that are important to you – from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk. Let R Hobbs Insurance Agency help you find coverage options that protect you, your family, and your personal property. Call us at (847) 680-0888 and let us help to make sure you’re properly covered.

What you need to know about renters insurance.

Your renters policy covers your personal property against theft or damage, subject to the limits and deductibles you select. The coverage applies even when you are away from home. For a small additional premium, you can choose to carry replacement cost coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.

Illinois and Wisconsin - Protect yourself and your guests.

Your renters insurance policy protects you and your family against certain bodily injury and property damage claims for which you are liable.  Legal defense is also provided in the event you are sued after a covered loss,  subject to the limits you have selected. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Let R Hobbs Insurance Agency help you find the right amount of coverage to suit your insurance needs. Contact us for additional information.

Extra coverage doesn’t have to cost a lot.

If you have special valuable items such as jewelry, art, antiques or collectibles, ask about our Valuable Articles option which provides broader coverage and no deductible in the event of a covered loss.

If you are forced out of your home because of a disaster your additional living expenses will be covered.

Renters insurance pays the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm or other insured disaster. It covers hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company.

Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.

Decide How Much Insurance You Need.


Add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for an inventory that will make filing a claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in safe place away form your home.

If you rent an apartment or house you need insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies.

Get the right amount of insurance coverage in Illinois or Wisconsin at the best price.

Whether you’re starting out, between homes or downsizing, we will help you pick the renters insurance coverage that best fits your needs. Give us a call today at (847) 680-0888 and get covered. Be sure to ask about available discounts including burglar alarm credits and the account credit for customers who package auto policies with their renters policy.



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