Get the right coverage you need.

Lupton & Luce Insurance, Inc. is proud to be the top choice in Riverhead, NY for personalized insurance coverage. When you choose us, we take the stress out of dealing with a large, unresponsive insurance company, while assisting you in selecting tailored, inexpensive benefits that will always be there when you need them. Our goal is for every client to walk out our doors with the satisfaction of receiving top tier coverage to keep them safe in all aspects of life. 

As a renter, it is crucial that you insure your property and assets properly. We offer renters insurance policies that are flexible to any policyholder’s needs. When you choose our team, we’ll strive to ensure you always pay the best price for your coverage. 

To receive your own customized renters insurance policy, call us at (631) 727-4114 or request your free quote now!

Common Renters Insurance Questions

 

What Is Renters Insurance? 

No dwelling or resident is safe 24/7. They are both vulnerable to various household hazards such as fires, weather damage, break-ins and possibly lawsuits from someone who was injured. Any of these hazards could result in high expenses, even for a minor incident. 

With renters insurance, you can ease the stress of having to pay for these expenses. Your insurance policy can ensure you get financial assistance when you need it to get back on your feet. You won’t have to rely on your personal funds you replace what was loss, which can help make your life less stressful.

What Is The Difference Between Homeowners And Renters Insurance?

Homeowners and renters insurance are similar, but the latter is personalized just for those who rent, rather than own their homes. The policy doesn’t burden the tenant with coverage that is only needed for the owner of the dwelling. Yet, each of these plans can assist you in drastically lowering your out-of-pocket expenses following any unexpected, unavoidable accidents that take place in your home. 

What Does Renters Insurance Cover? 

Renters insurance varies from homeowners coverage because it doesn’t offer structure coverage due to the tenant not owning the dwelling in which they live. Most plans may include:
• Possessions insurance 
• Liability insurance 
• Additional living expense protection 

These plans can be further tailored to include specialized benefits like: 
• Scheduled items riders 
• Replacement cost value possessions coverage 
• Umbrella liability insurance 
• Earthquake and windstorm endorsements 
• Pet liability insurance 

Is Renters Insurance Required?

Landlords usually require their tenants to purchase renters insurance. If the tenant has this coverage, it reduces the landlord’s liability for any losses that may happen within the dwelling. It is essential for landlords to also purchase their own coverage for the dwelling.

How Much Do Policies Cost? 

Multiple factors may influence the cost of your renters insurance, such as: 
• The value of your property 
• The home’s location 
• Your credit score 
• Security features in the home 
• Your chosen policy and coverage limits 

Our agents are dedicated to helping clients select personalized policies that fit their needs. We will work one-on-one with you to put together a customized policy that gives your residence the necessary coverage at the best price possible. Contact us today to get started. 

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