If you’ve never purchased renters insurance in Illinois before, you may not know where to start. However, obtaining insurance for your home can be a quick, painless process if you know the basics.

Know Your Coverage

When you’re getting an insurance policy quote, ask for a breakdown of the coverage. You should know what you’re paying for, and the insurance company should be able to provide you with a comprehensive breakdown of what your policy will and won’t cover. Most policies protect you from damage resulting from fire, ice and snow or flooding. Some policies may even include additional coverage from things like plumbing or HVAC damage. Every policy is different, so thoroughly review your quote to see if it matches your needs.

Get Discounts

There are a number of discounts you may be able to take advantage of with your renters insurance in Illinois. If you’re a member of the military, have a good driving record, wish to bundle your renters insurance with your auto insurance or are a student, you may be able to take advantage of added discounts, so be sure to ask what they offer.

Ask About Payment

Some insurance companies will reduce the cost of your premium if you opt to pay your entire policy in a lump sum. If that isn’t viable for you, you may be able to take advantage of auto payments each month at a reduced cost. Ask your insurance agent if they offer this benefit.

Shop Around

You should always shop around and get multiple quotes when looking for insurance. Check with multiple agencies to see who has the best deal and offers the best coverage for your needs.

Getting renters insurance can be easy if you’re prepared. Follow these tips to make your insurance shopping experience easy and fun.