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downtown apartments in Indianapolis, IN and Chicago, IL

Need renters insurance?

See below to better understand what your coverages mean and what all the different factors are that help determine your rate.

house for rent in Indianapolis
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Understand Your Coverages
Rating Variables

  • Age

  • Marital status - single, married, divorced, widowed

  • Credit - ability to make payments

  • Location - where you live within the state

  • Insurance history - claims and tenure with prior carrier

  • Policy details - coverages, limits, and deductibles

  • Apartment / home characteristics​

    • Year built

    • Construction type - brick, frame (vinyl, aluminum, composition, etc.), stone, wood

    • Foundation type (if renting house) - slab, crawl space, basement​​

    • Protection class - distance to nearest fire department and fire hydrant

  • Personal Property - covers your stuff up to the limit on your policy including things like furniture, technology, kitchenware, etc.

  • Loss of use / additional living expenses - this is the limit of time you are covered for in a situation where you are not able live in your apartment / home due to something like a fire

  • Personal liability - covers you on AND off your premises for anything you would be liable for

  • Medical payments - serves as a goodwill keeper, covers immediate medical expenses in a situation where you are liable such as an ambulance ride to the hospital

  • Optional coverages​

    • Replacement cost on personal property / contents - means you would get new stuff for your old stuff in a situation where your stuff is destroyed by a covered peril

    • Sewer & water backup for building & contents - this covers you in a situation where your apartment / house or stuff is damaged by sewer and water backup

    • Valuable articles - covers items for different kinds of losses such as losing your item

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