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Frequently Asked Questions
Your landlord’s insurance only covers the rented structure. If a loss or damage occurs to your personal property (clothes, shoes, TV, furniture, etc), the cost to replace falls on you unless you have a renters insurance policy. It is also important to know that you can be held liability for property damage and injury to others. Liability coverage is one of the most important features or renters insurance and protects your financial future.
The average cost of renters insurance is less than a dollar a day in most cases. Renters insurance rates vary from company to company and your premium amount will depend on the coverages and deductible selected as well.
Like with all property insurance a deductible does apply. Additionally, it is up to you to select a coverage limit that fully represents the value of your belongings.
You need to ask yourself – can I buy it all back if it is lost in a fire or stolen? Property damage is only one part of renters insurance. The liability coverage helps protect your financial futures and additional living expense coverage helps get you back on your feet if you can no longer reside in your home due to a covered loss.
For a $1.00 a month, this coverage protects your possessions when water backs up from sewer or sump pump up to $5,000.
$1.50 a month, this coverage protects you against damage caused to the landlord’s property by a pet up to $500 (in excess of the security deposit or special pet deposit).
In addition to yourself, you can have up to 4 additional insureds on the policy (18 years of age or older.).
Register your policy https://selfservice.qbena.com. Once registered, you will be able to view and print your policy documents as well as your premium invoice.
Your financial institution is billed immediately, regardless of the effective date of the policy, for the entire premium if you choose annual pay or for the first installment if you choose a pay plan. Installments are billed as follows: Quarterly – 3 additional installments billed every other month. Monthly – 10 additional installments billed monthly, semi-annual – 1 addition installment billed midterm of policy.
Making a payment is easy. Register your policy https://selfservice.qbena.com and select the Make A Payment option. The website will walk your through the payment process.
Please call Customer Care at (866) 940-0022 Hours 8:00AM-6:30PM CST (Mon-Fri) and they will be able to assist with any policy changes you need to make.
Please call Customer Care at (866) 940-0022 Hours 8:00AM-6:30PM CST (Mon-Fri) and they will be able to assist with updating your policy to your new address.
Please call Customer Care at (866) 940-0022 Hours 8:00AM-6:30PM CST (Mon-Fri) and they will be able to assist you with changing the effective date of the policy.
You can call 1.844.QBE.CLAIMS to speak to a claims representative 24 hours/day.
Please call Customer Care at (866) 940-0022 Hours 8:00AM-6:30PM CST (Mon-Fri) and they will be able to assist with the cancellation of your policy.