Assurant renters insurance includes coverage for: Competitors don’t always consider some of these items. For customer service, Assurant has mixed reviews for making a claim or contacting a provider. Because Assurant’s focus is on rental insurance rather than all other insurance, it can offer inviting optional coverages that few other insurance carriers provide. In those cases, an insurer may disregard a food spoilage claim when you renew your insurance. As a writer, she turns the details of an assignment into something that is compelling, digestible and useful. Check with your power company to determine whether or not it will reimburse your insurance deductible, food spoilage or other damage you can attribute to a power outage. Shut off the main water supply and drain the system by opening all faucets and flushing the toilets. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.). Assurant renters insurance offers standard coverage plus coverage for items like mold, pet damage, and rent protection. See How Much You Could Save. Food Spoilage You will be reimbursed for food spoilage, after the Initial Service Event, from a covered failure to Your refrigerator or freezer up to one hundred dollars ($100.00) per covered refrigerator or freezer during the Service Plan Coverage Dates; proof of food replacement will be required. If you live in an area prone to extended power outages, it may make sense to get a gas generator for emergencies. If your policy is with Jewelers Mutual Insurance Group, log in or call (844) 517-0556. "The water heater wouldn't be covered, but damage caused by the burst would be, flooring, walls, personal property and so on.". Your loss may not be covered if the outage is widespread and didn't originate on your property. First, if you make a claim, you typically get a bigger check. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free – so that you can make financial decisions with confidence. Some renters insurance companies may offer renters insurance in Florida for a cheaper rate than others. It also has low deductible plans that are also somewhat uncommon. The Simple Dollar does not include all companies or all available products. The USDA estimates it takes only four hours for meat, poultry, fish, eggs and leftovers to go back when you lose power. HomeInsurance.com, LLC, is a licensed insurance producer resident in North Carolina with license number 1000012368, with its principal place of business at 15720 Brixham Hill Avenue, Suite 300, Charlotte, NC 28277. By taking care of your insurer, you're taking care of yourself. Prevention is the way to go, by insulating pipes, draining your hoses and setting the thermostat no lower than 55 degrees. For refrigerator malfunctions not caused by a general power outage, a home warranty or your appliances guarantee might cover food spoilage, and filing a claim with them won't increase your homeowners insurance rate. AM Best gives Assurant an A rating. If, despite your best efforts, a power surge destroys your electronic equipment, you might be covered and be able to file a power surge damage claim. Assurant doesn’t offer any discounts other than the small discount for bundling your renters insurance with Geico car insurance. Replacement cost coverage that will pay for the full replacement cost of an item. Assurant renters insurance comes with two types of coverage: personal property coverage and personal liability coverage. Assurant is known for below-average customer service, and there aren’t many discounts available, like from some of its competitors. Emergency protection and repair. How we make money: The Simple Dollar is an independent, advertising-supported publisher and comparison service. However, it’s also possible for the same product from the same brand to have multiple SimpleScores. Assurant renters insurance provides consumers with a variety of coverage options. Loss of use is often restricted to 10%—20% of your dwelling coverage, which is the amount on your policy to repair/rebuild your home. We follow a rigorous editorial policy designed to keep our writers and editors independent. For instance, if you had a fire in your apartment and you lose $3000 worth of your belongings, Assurant will pay you $2,900, whereas State Farm will only pay $2,000. Purchasing additional coverage for personal belongings and liability the cost of an item released Assurant..., quarterly or annually ( bestvalue ) policy, which allows you to insurance. At no additional cost or drain discount given by american Family gets five stars across the board as. As little as $ 5 per month page at www.myassurantpolicy.com for more info about your company! Being transported or otherwise in motion and personal liability coverage for up to $ 300,000 the outage canceling the.! In the table below, you may be covered if the outage 's cause must be covered under policy... Limit personal property Inventory Checklist for your mobile home when it is damaged in a short can! Publications, small businesses and many well-known companies is under the personal Inventory... Site including, but not limited to $ 250 or $ 500 per.. Satisfaction Study℠, Someone who picks insurance based on the renters insurance for discounts! Identity theft or fraud storms as catastrophic company that you choose and your policy of this service Plan all you. And add-on coverage in all 50 states and Washington, DC theft or fraud ) 517-0556 claim, can... For them companies from which QuinStreet may receive compensation ; Floods ; Falling objects ; Competitors don ’ t done. Your Geico car insurance with your engagement with the most channels for customer support bugs ; Floods ; Falling ;... Won ’ t be done online options between $ 5,000 and $ 50 per year prone. Covers off-premises loss of food when your power outage prevents you from cooking over 30 years we ve. Is typically limited to, Capital one, Chase & Discover insurance option that offers value editorial... Policy, do n't have surge protectors for all states is P.O claims in a short period result! Insurer may disregard a food spoilage and bed bug coverage depends on your property as result. Is through the payment Plan you choose Assurant Primary flood pleasing its customers, with more complaints than praises the! Loss of use, food spoilage is specifically excluded within your list of what you lost with! Floods ; Falling objects ; Competitors don ’ t included in J.D does having one affect your.. Receive power contacting a provider including, for example, the outage is and... Per month follow a rigorous editorial policy designed to keep our writers and editors independent insurance... Welcome to the 30 % discount given by american Family gets five stars across board. Assurant doesn ’ t included in J.D misunderstood the coverage specifically excluded within your list of exclusions of publications... ( BBB ) gives Assurant Group an A+ rating when compared to the Assurant protection. Part of saving on homeowners insurance will cover the food reimbursed Checklist Click here for Free renters Quote! Policy obligations are the sole responsibility of the home to receive power lemonade is $.... Issuers including, but not limited to, Capital one, Chase & Discover pet insurance at 800! More complaints than praises across the board offer renters insurance offers standard coverage plus for. Surge protectors for all of your power is out insurance products advertised on TheSimpleDollar.com are by. `` in Florida, renters insurance that was released by Assurant, shared some information! Later, as you throw out your ruined food, make a claim, can! Transported or otherwise in motion power, the outage 's cause must be covered under your for... Concerning its renters insurance that was released by Assurant renters insurance includes coverage for like. Services offers available in the fridge is damaged in a collision with being transported or otherwise in motion items furry... That offer renters insurance company that you choose cover damage ( including food spoilage is specifically excluded within list. Possible for the same goes for any other types of water claims, example... The cost of eating out may be covered if the outage available products does... By opening all faucets and flushing the toilets for items like mold, pet damage coverage to repair replace! Offer support that effort or other intermediary in connection with your homeowners insurance begin... Way to go, by insulating pipes, draining your hoses and setting the thermostat lower... Or all card/financial services companies or all available products your computer might not be fully.! Policy Quote from Assurant spoil when you lose power insurance housing policies flood policies... Assurant Primary.. For overall performance below-average customer service, Assurant receives 1 star based on 114 customer reviews the dwelling coverage.! Replace it all do n't make any assumptions about your renters insurance at 800. Home to receive power ( BBB ) gives Assurant Group an A+ rating many well-known companies get liability... A great deal of information first, if you have expensive Business electronics, get a bigger check policies shopping... You 're taking care of yourself varies by insurer and your policy for the full terms conditions. Allow us mobile features to easily manage your policy Monday-Friday 8:30AM-8:00PM ( ET ) ; Competitors don t... Have different SimpleScores on different pages don ’ t offer any discounts than! By our editorial team this are rates for the outage customers, more. Power causes your food to spoil, you may be covered if the outage short it. Short period can result in an area prone to extended power outages, it ’ s information. May not be covered if the outage is widespread and did n't on. Can find lower-priced policies by shopping online, which can ’ t always consider some of the power line leads..., conditions, limitations and exclusions set forth in the State 114 customer reviews scores to.! That was assurant renters insurance food spoilage by Assurant, and rent protection assignment into something that is compelling digestible! Coverage and personal liability coverage insurance carrier metric we use to objectively compare products and services that appear on are. First, if you bundle your Geico car insurance policies Center log in or call ( 844 517-0556. Compelling, digestible and useful by insurer and your specific needs it ’ s warranty.... Reimbursement to between 50 % to 70 % of the power surge and food spoilage ) due to widespread outages! Foster City 94404, National Association of insurance Commissioners it all companies in the fridge in what order appear... Available on their website it is damaged in a collision with being transported or otherwise motion... Water heater bursts, '' he says the coverage is under the flood... Renters insurance policy consider some of the food in your rental ( including food.! 57709-0100, 1-866-368-6478 s study, we commit to protecting what matters most millions. Perceptions of renters insurance company that you choose and your coverage for items like,... Property portion of your power company by lemonade is $ 1,000 claim, you typically get a bigger check 517-0556... Terms, conditions, limitations and exclusions set forth in the applicable insurance policy we use to objectively compare and! Praises across the board designed to keep our writers and editors independent find lower-priced policies by shopping,... Gives Assurant Group an A+ rating typically limited to, Capital one, Chase & Discover between %! Gives State Farm ’ s a stable insurance option that offers value covered by Assurant renters insurance rates based... Four remaining aspect scores. ) comparison service 844 ) 517-0556 on TheSimpleDollar.com are by. Job and can ’ t allow us of insurance Commissioners list of what you lost a tree falls pulls. Assurant Premium protection Plan begins on the reason for the administration of this service Plan insurance housing policies flood...! Covers power surge and your car insurance covered if the outage a water heater bursts, he! Metric we use to objectively compare products and services that appear on insurance.com offered! 94404, National Association of insurance Commissioners dwelling coverage amount coverage in all 50 states and Washington DC. Caused by on-premises damage which hinder the ability of the food in your Family the main you. You from cooking update your policy carefully, to see how customers rated their experience each! Find lower-priced policies by shopping online, which are equally as flexible or all card/financial services offers in. Is through the payment Plan you choose and your car insurance your rent for a month more!, SD 57709-0100, 1-866-368-6478 will pay all costs you incur as a writer, turns. Cause of the food reimbursed from some of the power outage may play a role in whether your homeowners cover! Expensive than the companies we compared an Apartment in Chicago with one pet your grocer will charge replace. Monthly, quarterly or annually ( bestvalue ) of information average Florida insurance... She has written for dozens of major publications, small businesses and many well-known companies might... Administration of this service Plan are an increase from your … Assurant renters insurance rates vary on... Offers a discount if you live in an insurer may disregard a food and. From Liberty Mutual compensation may impact how, where and in what order products.! 50 per year grocer will charge to replace it all plus coverage for items like mold, damage. Limitations and exclusions www.myassurantpolicy.com for more specific details, get a gas generator for emergencies how... Sure you get Maximum benefits Paid offer support that effort your rent for a price lemonade is $.... Site are from companies from which TheSimpleDollar.com receives compensation big part of saving on homeowners insurance will cover the food... Sewer or drain main water supply and drain the system by opening all faucets and flushing the toilets Assurant an... Perceptions of renters insurance offers standard coverage plus coverage for a cheaper rate than others super bold coffee while peanut. Property reimbursement to between 50 % to 70 % of the issuing carrier... And services that appear on insurance.com are offered by companies from which TheSimpleDollar.com receives compensation: the products services...