My new building requires renters insurance: pls advise me on the basics
August 25, 2014 5:27 PM Subscribe
I'm a relentless optimizer and usually do tons of research before making decisions, but I am shuddering at the thought of wading through endless legal and sales verbiage on insurance sites, or even worse, of enduring verbal sales pitches from agents/brokers. Please help me short-cut through the tedium of getting this done. A few extra details inside.
posted by Susan PG to Home & Garden (21 answers total) 5 users marked this as a favorite
Details that may or may not be relevant: I live in a new building in San Francisco and own the ordinary types of stuff, nothing wildly unusual. No pets if that matters, and no unusual risks I'm aware of. I travel a lot and it would be awesome to have my phone, laptop, etc. covered when I do. I don't own a car so can't tack this onto auto insurance. I do own various forms of health/disability/life insurance but don't love my providers and don't particularly want to use them for this. I have a bank account with USAA but don't know if that entitles me to insurance through them -- I know they have some not-entirely-clear-to-me restrictions
and if there's a military-related prerequisite for insurance I wouldn't meet it. I have accounts with a couple of other major banks and a local credit union. In general I prefer small providers over megacorporations, and I like to do stuff like this online rather than F2F or on the phone.
I'd welcome any basic context, caveats/warnings, ballpark costs. Specific providers, policies, URLs, would be great. Thanks in advance for helping me avoid massive tedium -- I am okay if I don't get the absolute best possible result; I would just like to get this done. Bonus points if I can do the whole thing online, without ever speaking with a company rep :)