Renters Insurance
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Let's take renters insurance off your to-do list. We shop. You save. Best value coverage plans.
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Real People. Real Results.

"Alex Lopez was great! Very responsive and will work his tail off for you."
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scott cordella
"Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida. He earned my trust because of his honesty and his persistence."
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Cindy Burkhart
"Great experience from start to finish!"
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Shelby Hodges
"Very professional staff was able to address all my questions in a timely knowledgeable manner. We will be using Worth for our insurance needs"
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Chris Radentz
"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"
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Jon Allen
"Alex Lopez was great! Very responsive and will work his tail off for you."
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scott cordella
"L'Oreal helped me step by step through the process of getting Homeowner's Insurance. Being a first time home buyer, this was exactly what I needed. Her responsiveness, knowledge and diligence made it simple for me to get insured. Highly recommend!"
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Fernando Sanabria
"I had a great experience with this agency. They gave me very prompt quotes and were responsive and helpful. Highly recommended!"
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Melanie Davis
"Very professional staff was able to address all my questions in a timely knowledgeable manner. We will be using Worth for our insurance needs"
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Chris Radentz
"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"
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Jon Allen
I needed to replace high cost hazard insurance with something more affordable and with similar coverage. Alex Lopez came through with a great policy and in the timeframe needed. He saved me a bundle! Looking forward to working with him again!
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Karen Tronolone
"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"
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Jon Allen
"L'Oreal helped me step by step through the process of getting Homeowner's Insurance. Being a first time home buyer, this was exactly what I needed. Her responsiveness, knowledge and diligence made it simple for me to get insured. Highly recommend!"
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Fernando Sanabria
"I had a great experience with this agency. They gave me very prompt quotes and were responsive and helpful. Highly recommended!"
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Melanie Davis
"Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida. He earned my trust because of his honesty and his persistence."
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Cindy Burkhart
"I know the team at Worth personally and they operate with the utmost integrity and always go the extra mile for their clients. I highly recommend Worth Insurance."
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Daniel Tighe
"Simply the best customer service!! Matt Always checks prices and coverage, and gives us amazing deals. THANK YOU 🙏"
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Stephen T Radentz
"Very professional staff was able to address all my questions in a timely knowledgeable manner. We will be using Worth for our insurance needs"
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Chris Radentz
"L'Oreal helped me step by step through the process of getting Homeowner's Insurance. Being a first time home buyer, this was exactly what I needed. Her responsiveness, knowledge and diligence made it simple for me to get insured. Highly recommend!"
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Fernando Sanabria
"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"
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Jon Allen
"Have successfully worked with Worth Insurance on not just homeowners but my car insurance as well. Loved the professionalism the entire team has, and appreciate the attention to detail and customer experience they provided."
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Ryan P
"Great experience from start to finish!"
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Shelby Hodges
"Alex Lopez was great! Very responsive and will work his tail off for you."
-
scott cordella
"L'Oreal helped me step by step through the process of getting Homeowner's Insurance. Being a first time home buyer, this was exactly what I needed. Her responsiveness, knowledge and diligence made it simple for me to get insured. Highly recommend!"
-
Fernando Sanabria
"Very professional staff was able to address all my questions in a timely knowledgeable manner. We will be using Worth for our insurance needs"
-
Chris Radentz
"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"
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Jon Allen

Top Carriers. Great Rates. Quality Coverage.

Home Insurance Coverage Sections

We're here to help you make the most of your insurance . Worth Was borne out of the first hand frustration with the home insurance experience. Our process and team make it quick and easy to find the best value policies and protect against the unexpected. Let's take home insurance of your to do list and say hello to peace of mind.

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Coverage A: Dwelling Coverage

This first section of coverage provides coverage for the actual home itself. It is important that the value limit of this coverage be set to at least the amount equal to what it would cost to rebuild your home, otherwise known as your replacement cost coverage. Mortgage lenders also require for homes to be insured at least to their replacement cost.

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Coverage B: Other Structures

The Other Structures section provides coverage for other structures on your property. Some examples include fences, sheds, and detached garages. Typically this coverage is set to about 10% of your Coverage A, but it should be adjusted up if there is a need for increased coverage limits.

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Coverage C: Personal Property

Section C of the policy provides coverage protection for personal belongings. One easy way to describe what this covers is if a house was to be turned upside down and shaken, what would fall out is what would apply to this coverage section. Examples of personal property include, furniture, electronics, clothes and toys.

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Coverage D: Loss of Use

This coverage provides for reimbursement for additional living expenses in the case that a covered peril caues damage to your home that makes it unlivable. In this case you may need to move out of the home and rent a different home or a hotel room in the interim. Typically this is limited in terms of time and cost defined by the policy.

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Coverage E: Liability Coverage

Coverage E is the policy's provision for liability coverage. This section provides protection against things like medical bills and legal fees if someone happens to be injured on your property or in the case you are found liable, ie if your dog bites someone. Certain factors can make your home more risky in this regard. Examples include trampolines and pools. It is important to safeguard these areas of your home from children.

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Coverage F: Medical Payments

The final section of the policy is Coverage F. This section provides protection against payments for minor medical bills to those injured on your property. The typical coverage amount for a standard policy is limited to $5,000 per claim. It is possible for this portion of the policy to provide a payout even when the injury was not your fault.

Frequently Asked Questions

We get it? You've got questions. We've got answers.

What is renters insurance?

Renters insurance protects against the risk of financial loss in the event of damage or theft of your personal property in a rented home or apartment. It can also protect you from liability if someone happens to be injured on your property.

Does renters insurance cover accidental damage?

Renters coverage does not typically cover accidental damage. Renters insurance cover against theft and damage from covered perils. It also provides liability coverage.

What is additional living expense coverage?

In the event the rental property becomes unlivable due to damage from a covered peril, a renters insurance policy will typically cover the cost for this loss of use in the form of paying for other living arrangements, up to the extent of the policy limit.

What does renters insurance cover?

A typical renters insurance policy provides coverage for personal contents, loss of use, personal liability, medical payments, and theft. Policies may vary depending on the carrier, state and coverages purchased.

Does renters insurance cover jewelry?

Renters insurance covers personal belongings up to a certain limit. For high value items like a diamond ring, it is recommended to purchase a separate jewelry insurance policy to protect against the associated risks.

Does renters insurance cover loss of use?

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How does renters insurance work?

If you experience a covered loss, renters insurance will respond to help cover the associated costs up to the limits of the policy.

What is the difference between ACV and RCV?

Actual Cash Value coverage will repay or reimburse you for the value of the items at the time of damage. This cost typically reflects depreciation and is less than the original purchase price. Replacement Cost Value coverage will pay the full amount of the cost it takes to replace or repurchase the lost or damaged items.

Am I required to have renters insurance?

Renters insurance is not required or mandatory by state law. It may be a requirement by the landlord or property manager as part of the terms of the tenant's leasing contract.

Does renters insurance cover property damage?

Renters insurance covers the renters belongings but it does not cover or insure the physical property itself. Property owners should purchase a landlord insurance policy to protect their property from financial loss.