How to Get Cheap Renters Insurance in Windsor

Are you a tenant in Windsor in need of renters insurance? While it’s important to have adequate coverage for your personal belongings and liability needs, the cost of insurance can often be a barrier for many renters. However, it is possible to get cheap renters insurance in Windsor without skimping on the coverage you need.

Here are some tips to help you get cheap renters insurance in Windsor:

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Shop Around for Quotes

Just like any other type of insurance, it pays to shop around for quotes from different providers. Look online or contact a local insurance broker to get multiple quotes. Be sure to compare the individual policies’ coverage limits, deductibles, and additional services against the prices.

Bundle Your Policies

Another way to lower the cost of your renters insurance is to bundle policies with the same insurance company. For example, if you have auto insurance through a certain provider, purchasing your renters insurance from the same provider could result in a discount for your current policy.

Increase Your Deductible

Most policies require the policyholder to meet a deductible before the coverage kicks in. The higher your deductible, the lower your monthly premiums will be. Increasing your deductible amount even slightly may help reduce your monthly renter’s insurance costs.

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Consider the Coverage Options

When you think of renters insurance, you may think of full coverage, including all possible hazards like fire, theft, vandalism, and water damage. Consider if it makes sense to opt to remove some of the coverage options, just enough so that you’re covered for what you need but paying less.

Check for Discounts

Ask insurance providers about discounts, including offerings on long-term policies, students, low-risk tenants, and secure or equipped buildings. What may seem small like membership in a professional association or having safety equipment installed could lower policy prices significantly.

Compare Limits

When comparing insurance providers, look at maximum limits of policies, sometimes, you may pay less but get less. These policies are not worth it in the long run, so choose an affordable insurance that will also give you adequate coverage.

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Get no-nonsense coverage that's the best value for your money. Purchase policies from your computer or phone, receive your documents instantly, and save when you buy online.

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Safeguard Against Risk

One of the best ways to decrease your renters insurance costs is to reduce the risks to the insurer. Put in an effective security system, smoke detectors and alarms, fire extinguishers, and durable door locks. An action as simple as safeguarding the apartment may substantially reduce premium costs.

Be Careful with Claims

Avoid frequent, low-value claims that could raise your insurance costs in the long run. Assess whether a claim is worth filing, remember, the cheaper the policy, the higher the chances that a claim might lead to a premium increase.

APOLLO is Canada’s leading provider of tenant insurance, designed specifically for renters and customizable to your lifestyle. Get your free quote in less than a minute and we’ll send your policy documents right to your inbox.

Get comprehensive tenant insurance for what matters

Get no-nonsense coverage that's the best value for your money. Purchase in less than a minute, receive your policy instantly, and save when you buy online.

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