Renters | Spencer Insurance Agency, Inc



Shopping for Renter’s Insurance?

Renter’s Insurance is very different than Homeowner’s Insurance.  As a renter, you do not own the building; therefore you do not need to insure the building.

Then why do I need Renter’s Insurance?

  • Your landlord does not provide insurance to cover your personal belongings.  How would you replace your belongings if you came home and your apartment building was totally destroyed by fire?
  • There is an accident inside your apartment and someone is severely injured.  Where will you come up with the money to pay the damages if you are sued?   A Renter’s Insurance policy will help by providing liability coverage.
  • After a claim, you need to stay in a hotel until you find a replacement apartment. Then, when you find an apartment the rent is much higher than what you were paying.  Where will you come up with the money to pay for the hotel stay and the difference in rent?  A Renter’s Insurance policy will help pay for these additional costs.

Call us today to get a quote and discuss the coverage you need when you rent an apartment.  Remember, the “True Cost of Insurance” can be much higher if you do not have the proper protection.

Here is what our clients are saying about us. . .

“Spencer Insurance Agency has always been there for me, but when it comes to renter’s insurance, they really came through. After college when I moved into my first apartment in University City, my roommate and I had never heard of renter’s insurance and had no idea it was something we should get. Luckily for us, my dad and Spencer Insurance Agency were there to keep us covered. Now, I must admit, my dad is the owner of Spencer Insurance Agency which obviously makes me bias. However, what follows is 100% true and will hopefully convince anyone that renter’s insurance is crucial for any renter, even if you don’t use Spencer Insurance Agency.

In January of 2007, a fire broke out in the row home connected to ours. The firewall between our two apartments kept the fire from spreading into ours, but it did not stop the smoke. It also did not stop the water from flooding into the apartment through the hole the firefighters cut in our ceiling to release the smoke as they put out the fire. When all was said and done, we started the process of cleaning the things that could be cleaned and replacing the things that needed replacing, as we also searched for a new apartment. Before the fire, when I was first told how much coverage we should get, I laughed at my dad, thinking there was no way the old second-hand stuff I had collected while in college was worth that much. However, the cost of coverage was cheap and I trusted my dad’s advice. When the final costs of the fire had been settled and I realized I had spent close to $15,000 cleaning/replacing everything, I was very happy I had taken his advice. I didn’t pay for a thing, just my renter’s insurance and a small deductible.

Hopefully my story will convince anyone on the fence that renter’s insurance is well worth the cost. If you decide to get it, I highly recommend Spencer Insurance Agency. Yes, Charlie is my dad, but that doesn’t change the fact that he is one of the most honest men I have ever met, and he will provide you the same level of service he does to his own son. ” 

– Brian Spencer, Lansdale PA

“We have been with Spencer Insurance Agency for more than 30 years and have been very happy with your personal service.  Your staff is great and your products are very competitive.  Thank you for your prompt service through the years.”

– Anne and Wayne Maus, Quakertown, PA

“The staff at Spencer Insurance is the best!  Professional and very responsive.  The service is second to none!  I take great comfort knowing that my home and autos are properly covered and at the best price!”

– Bonnie Rose, Glenside PA