How To Buy Renters Insurance Online? 
There are many ways to purchase renters insurance online . Most major insurance companies will allow you to purchase directly thorugh their websites . There are also websites that give you access to many different companies at once . However , there are some things that concern me about purchasing insurance online . As a former agent for a top 3 insurance company , I would become the `` agent '' for individuals who had purchased their own insurance online . I consistently found problems and lack of coverage when I recevied these clients . My recommendation is to reach out to a local independent agent and tell them you are looking for renters insurance . This will give you the opportunity to build a relationship with that person and have them make recommendations for certain coverages . There are many additional coverages that are available on renters policies from water back-up , to identity theft coverage , and specific coverage for jewelry , collectibles , music equipment , etc. . It is best to discuss these options with a professional so you know exatly what is covered and how it is covered . While you can quickly purchase renters insurance online , you may leave yourself with gaps in coverage , which can become costly in the event of a claim . The process is not that much slower within an agency -LRB- we frequently put polices in place the same day -RRB- and you can be confident that you have the proper coverages . If you do not feel comfortable with the agent you are in contact with , ask friends and family who they work with and find someone you truly trust . Even though you are purchasing a fairly inexpensive renters policy , take your time to find the right solution for you . In the unfortunate event of a claim , you will be happy that you did . 