Renters Insurance

It may be easy to think that since you are renting your apartment, condo or home, you may not need insurance, but that would be a mistake. Your landlord’s insurance covers the property but not your belongings and in an instant, they could be gone with a tragedy. Let Banterra Insurance give you the help you need with renters insurance.

Why Banterra Insurance?

Banterra Insurance works with the nation’s leading insurance brands to provide you with custom policies tailored for your specific needs including renters insurance.

COVERAGES AVAILABLE

Coverage Type	Coverage Details
Property	Household Property – Covering your personal possessions for their replacement value. Scheduled Personal Property – Coverage for high-value items that must be scheduled due to policy coverage limits on that class of property (i.e. guns, furs and jewelry, etc.) Business Personal Property – Coverage for personal property that is used in a business.
Coverage Enhancements Property	Flood – Coverage for water damage to your property caused by temporary situation which leads to two properties or at least two acres of land to be inundated with water. Earthquake – Coverage for damage to building and contents caused by backup of water and sewerage through drains and overflow from sump pumps. Water and Sewer Backup – Coverage for damage caused by backup of water and sewerage through drains and overflow from sump pumps.
Loss of Use	Additional Living Expense – Covers the actual loss incurred for increased expenses over and above what you normally spend for food, shelter, and related items.
Liability	Personal Liability – Coverage for your liability if a bodily injury or property damage claim occurs where you could be liable. Property Of Others Liability – Coverage for property that is not your own, but in your care, custody or control.
Medical	Medical Payments – Coverage for medical payment to an injured party on your premise regardless if you are liability or not. Pet Coverage – Coverage for illness or injury of your pet.
Other	Identity Fraud Expense Coverage – Coverage for reimbursement of cost of restoring your identity after it has been stolen up to the limit of coverage.

Discounts Available

Banterra Insurance offers several discount options for home insurance.

*Discount availability varies by company

Discount Type	Discount Details
Insurance Discounts	Multi-Policy Insurance Discount – Ask your agent about multi-policy insurance discounts when you combine condo insurance with vehicle or life insurance or when you have policies with more than one home. Advanced Quote Discount – A discount for quoting home insurance in advance of renewal.
Customer Discounts	Age of Insured Discount – A discount may apply if homeowner is 60 years or older.
Home Discounts	Protective Device Discount – Get a discount if your condo has smoke detectors, fire extinguishers, sprinklers, deadbolt locks or burglar alarms.
Billing Discounts	Billing Plan Discount – A discount for paying policy in full at inception.

Need A Home Mortgage Or Refinance?

Banterra Bank offers competitive rates, online approval qualification and personal service for your home mortgage, refinance or home equity loan needs. Click here to learn more.