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What You Need to Know About Pet Insurance
What is Pet Insurance?
Pet insurance reimburses you for your dog or cat’s unexpected medical bills.
How it works.
Your pet is treated at any veterinarian for sickness or injury. You submit the bill to Figo for reimbursement by simply snapping a photo of your vet bill. Then, you upload the photo via Figo’s Pet Cloud mobile app to be reimbursed for the costs in an average of 7 days. It’s that easy.
Why do you need it?
Advancements in veterinary medicine save more pets than ever, and those treatments can be really expensive.
For an average cost of a $1.25 per day, Figo lets you visit any licensed veterinarian, specialist and ER in the US, Canada or Puerto Rico. Enrollment is easy and Figo’s customer care team is accessible by phone, email, text, chat and Twitter.
More than pet insurance.
With your Figo policy, you also receive the first-ever Pet Cloud with mobile app to manage your pet’s life. Some features of the Pet Cloud include:
- Access to your pet’s records for travel and emergency
- Text and email reminders for pet health appointments
- Lost pet technology using GPS and family text alerts
- Pet-friendly business locator
Get a quote today and save an additional 5% off with our agency discount:
Frequently Asked Questions
How much renters insurance do I need?
This is another one of those questions where the answer varies depending on the person. Ultimately, it all comes down to what you want covered. To help you decide, it may be helpful for you to create an inventory of the items in your home and their value. You may be okay if some of your belongings go without coverage. You've worked hard to make the property you rent into a home. We can help protect it. We'll assess what your risks are and help you tailor the renters policy you need. We'd love to chat with you. Contact our agents today!
How much does renters insurance cost?
If you're worried about your premium after hearing your landlord requires at least $100,000 in liability protection, you're not alone! Thankfully, on average, renters insurance is reasonably inexpensive. In July of 2021, the average annual cost of a home renter's insurance policy was $168 a year ($14 a month). Some factors will make your personalized policy more or less expensive. Some of these factors include: Location of the residence Your credit history Your dog's breed, if you have one Your previous claims Coverage limits
What is renter's insurance?
Renter's insurance is straightforward. IRMI defines it as insurance [that] covers the contents of the home, apartment, or a condo the tenant rents but does not own. It's that simple.
Is renters insurance required?
As a tenant, the only time you are required to purchase renters insurance is when your landlord requires it, which they are legally allowed to do. Your landlord's insurance has specific exclusions and limits, just like yours. For example, their policy doesn't cover your personal belongings at all. It also won't cover any damage you do to the property. Your landlord wants to stay protected as much as you do!
What does renter's insurance cover?
Home renters insurance is tailored to protect against three major types of exposures.
- Personal Property If your personal property is damaged or lost because of a covered peril like fire or theft you are protected by personal property coverage. However, not all your personal property may be covered. Some expensive belongings such as jewelry or a valuable coin collection are not protected in a standard renters insurance policy and require additional coverage.
- Personal Liability With this type of coverage, you are financially protected if a guest is injured while visiting or if you accidentally damage someone else's property.
- Additional Living Expenses If you are displaced because your residence is damaged or becomes uninhabitable, additional living expenses coverage can create a financial buffer for you by paying for costs like hotel bills.
In addition, there are two types of renter's insurance. Neither is better than the other, and your choice depends on your risks and needs.
- Actual Cash Value Coverage This type of policy reimburses you for the true value of your items when they are lost, which means depreciation pays a part in the final amount.
- Replacement Cost Coverage This policy is more comprehensive and will cover the actual cost of replacing a lost or damaged item.
What is not covered by renters insurance?
Renters insurance is an incredibly helpful essential, but there are some exclusions and limits to keep in mind.
- Your renters insurance does not cover personal property loss over your coverage limit. This means that once you reach the limit, you can't be compensated for any more money past the limit amount.
- Your personal liability coverage will also have a limit. Just like mentioned above, if your claim exceeds the limit, you won't be reimbursed past it.
- Your renters insurance does not cover any damage you may cause to the structure of your rental home.