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• How Much Does Renters Insurance Cost in Illinois?
• Does Renters Insurance Cover Tornado Damage in Illinois?
• Who Is Responsible for Property Damage While Renting in Illinois?
• How Much Tornado Damage is Covered under My Renters Policy?
• How to Prepare for a Tornado as a Renter in Illinois
• Steps to Take after a Tornado Damages Your Property While Renting
• How an Illinois Independent Insurance Agent Can Help You

How Much Does Renters Insurance Cost in Illinois?

When it comes to Illinois renters insurance, the pricing will be different for everybody. For the most part, premiums are relatively inexpensive depending on where you live and the limit of liability and property coverage you select.

Average Premiums for Renters Insurance in the US

Your exact costs for renters insurance in Illinois will depend on several varying factors. Take a look at what carriers use to calculate your premiums.

• Loss history
• Location
• Amount of Coverage
• Insurance score
• Multiple policy discounts

Does Renters Insurance Cover Tornado Damage in Illinois?

All Illinois renters insurance policies will have coverage for severe weather. This includes tornadoes and any damage or injury they will cause to you as the renter. Floods are typically not covered under your renters policy. For that, you'll need a separate flood insurance policy to have adequate protection. 

Who Is Responsible for Property Damage While Renting in Illinois?

When you're renting a home in Illinois there may be some confusion about who's responsible for what when a loss occurs. One rule of thumb when it comes to insurance is you can't insure something you don't own. This simple guideline makes it pretty easy to determine what your portion of tornado damage would be for a claim. 

Renters responsibility for damage

• Their personal belongings
• Their additional living expenses
• Their bodily injury

Property owners responsibility for damage

• The structure itself 
• The items they own within the structure
• Any property of yours that is found to be negligent 
• Any injury of yours that is found to be negligent

How Much Tornado Damage Is Covered under My Renters Policy?

There is no telling all the damage that a tornado can do to your property. When you're renting a home in Illinois, you won't be responsible for the structure itself. Here are a few items that are covered under your renters policy due to a tornado in Illinois.

• Personal property damage
• Bodily injury
• Additional living expenses

How to Prepare for a Tornado as a Renter in Illinois

When preparing for a natural disaster, it's good to be proactive where you can. There are certain things you can do as a renter to protect your belongings in Illinois. Check out some common things to look into.

• Rent a home with a storm door
• Rent a home with steel siding
• Rent a home with a metal roof
• Rent a home with a storm shelter 
• Take inventory of your belongings

Steps to Take after a Tornado Damages Your Property While Renting

If a tornado hits the property you are renting in Illinois, you'll likely be in shock. It's essential to be prepared beforehand for the worst case scenario. Here are four easy steps to consider if you're a victim of a tornado loss.

• Step 1: Get to a safe place
• Step 2: Call your independent insurance agent immediately
• Step 3: Obtain temporary housing paid for by insurance
• Step 4: Set up a meeting with your assigned adjuster to go over damage and loss 

Deadliest Tornadoes in the US

Tornadoes and other severe weather affect everyone. If you have to file a renters insurance claim due to tornado damage, you'll want someone you can trust in your corner.

How an Illinois Independent Insurance Agent Can Help You

If you're renting a home, you'll need coverage for your liability and property damage exposures. There are several options when selecting Illinois renters insurance. Consider using a licensed adviser to review your coverages for accuracy. 

An Illinois independent insurance agent can help with policy and premiums that won't break the bank. They do the shopping for you at no additional cost so that you can save. Get connected with a local adviser on TrustedChoice.com in minutes.