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D & E Insurance Agency

1903 N Main St,
Muskogee, OK 74401

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D & E Insurance Agency Blog

Renters insurance FAQs

When you are a renter in Muskogee, OK, you may wonder if there is any need for you to have renters insurance. At D & E Insurance Agency we put the needs of our clients first. We work for you, not the insurance carriers. Making sure you are satisfied with the coverage we find for you is our primary goal. 

Doesn’t my landlord have insurance?

Your landlord probably does have insurance to protect the building that they own. Their building insurance, however, does not protect your possessions or offer your liability coverage if someone is injured in your rental. They are only protecting their own property. 

Does renters insurance cover my dog?

Yes, renters insurance covers your dog as long as it is not one of the excluded breeds. You should call your agent and check what breeds are excluded by your carrier. 

Will I be covered if someone gets hurt at my rental?

Yes, you will, renters insurance has liability coverage. It will pay for medical expenses and, if you are sued, a judgment up to the limit of your policy. It will also pay legal fees. 

What kind of content coverage does rental insurance have?

You have a choice when you get a rental insurance policy. Content coverage comes in two types; the value of your content today with depreciation included, or what it will actually cost to replace it. 

What is loss of use coverage?

In the event your rental is rendered uninhabitable by a covered hazard, you will need a place to stay. Loss of use coverage will pay for a hotel and then for a temporary rental until you can move back home. It may even pay for some meals. 

Contact D & E Insurance Agency in Muskogee, OK for all your insurance needs including renters insurance. 

Partner Carriers

  • Access Insurance Company
  • American Modern
  • AmWINS
  • Equity Insurance Company
  • Gainsco
  • Harbor
  • Liberty Bankers Life
  • National Lloyds
  • The National Security Group
  • Progressive
  • Traders Insurance
  • Travelers
  • UAIC