Renters Insurance

Belongings Hold Memories. Make Sure They’re Safe.

If you rent an apartment, house, condo, or even a dorm room, you may not think you need insurance. But in the event that fire, theft, or vandalism damages your property, it’s unlikely that your landlord will pay to replace your belongings.

At Winstead Insurance Agency, we know that you’ve most likely invested a lot of time and money in your personal property, and it’s up to you to take care of it. Having a Renters Insurance, or Tenants Insurance, policy can pay for the cost of replacing your belongings if they are damaged due to a covered accident, or if they’re stolen.

Depending on your policy, your insurance will pay to replace items using one of two methods: Actual Cash Value (ACV) orReplacement Cost. With ACV coverage, your belongings are insured only for the amount in which they are currently worth, while Replacement Cost will pay for the expense of replacing the items with brand new ones.

Property Insurance

Additional Insurance Options

Also included in your Renters Insurance is Liability Coverage to safeguard yourself from injury claims that occur in your home. If someone gets hurt on your property, your insurance can pay the related medical payments and expenses, and provide for the cost of legal support if you are sued.

In the event that a fire or other damage makes your residence uninhabitable and places you in a “loss of use” situation, your Renters Insurance may temporarily reimburse you for the cost of another residence in which to live.

Representatives from Winstead Insurance Agency are committed to working with you to design a policy that ensures you get the options you want at a price you can afford.

OUR COVERAGE OPTIONS

Property Insurance

Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made.

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Homeowners Liability

If someone were to claim an injury on your property, there’s no stopping them from affecting your finances, your house, or anything else you own that can be labeled as compensation.

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Renters Insurance

If you rent an apartment, house, condo, or even a dorm room, you may not think you need insurance.

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Condo Insurance

For many, a condo is a great alternative to living in an apartment or a home, and can offer more space, more living area, and more amenities.

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Mobile Home Insurance

With a specialized Mobile Home Insurance policy, you can safeguard your home and your belongings in the event of a covered loss.

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Scheduled Property Insurance

The Personal Property Insurance of your Homeowners policy will protect your valuables up to a certain amount, but may not cover many of your most prized possessions.

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Landlords Insurance

As the owner of an apartment, home, condo, or other property, you’ll want to be prepared in the event that your investment is damaged.

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In-Home Business Insurance

As the owner of an In-Home Business, chances are your operations extend beyond the walls of your home.

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404 W. Pulaski Highway
Elkton, MD 21921


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