Insurance lingo can be very confusing. Use this guide as a reference before applying for a renters insurance policy online, over the phone or in person! The following list provides some insight as to what information you will need when applying for renters insurance quotes. This guide also briefly touches on renters insurance coverage options and provides a link to another guide with detailed information about renters insurance coverage.
My recommendation: Have the following information on-hand before applying for renters insurance:
- Contact information (name, address, phone number)
- Number of connected units (apartments/condominiums) in building
- Approximate distance to fire department (miles) and fire hydrant (feet)
- General dollar amount of belongings within the dwelling
- Primary/alternate source of heat (gas, electric, etc)
- Central heat: heating that is thermostatically controlled and is distributed to each individual room of the home.
- Alternate heat source: a supplementary source of heat used in addition to standard central heating. Examples of alternate heat sources are wood burning stoves, electric or kerosene space heaters, etc. Note that wood burning or gas fireplaces are not considered alternate sources of heat
- Brick/Masonry Veneer: Refers to a building where the frame of the home is constructed of wood with a facing of a single layer of brick/stone or a hard cement type siding known as cement fiber shingles. If you have a brick/masonry veneer home, choose the percentage option that represents the percentage of the exterior of the home that is veneer.
- Brick Stone Masonry: Select this option if your home is legitimately solid brick, stone or masonry. This type of construction is generally more common in older homes than recently constructed homes.
- Frame with less than 10% Brick: Refers to a home with a wood or metal frame, with a non masonry material covering the majority of the exterior of the home. For example, homes with an exterior that is primarily vinyl siding should select this option.
- Frame with Aluminum Siding: This type of home has a wood or metal frame, but uses aluminum siding (a lightweight metal typically coated with weather resistant paint) rather than vinyl or other materials.
- Log Home: A log home or log cabin is a house made from wood that has not been milled into conventional lumber.
- Mobile/Manufactured: These homes are built in factories and are typically towed by a semi-truck to the place where they will be occupied. Mobile or Manufactured homes are capable of being transported to a different location.
- Modular: Modular homes are partially constructed away from their final location and are then brought by truck in pieces and completed at the site. Modular homes have a permanent foundation and in many cases are almost identical to a home built on site.
- Reinforced Concrete: Reinforced Concrete homes utilize poured concrete for the walls, ceilings, floors and stairs. The exterior is often finished with stucco, brick or siding.
- Steel: This type of construction uses steel instead of wood for the structural system of the home. The exterior of these homes is often indistinguishable from wood frame homes.
- Other: Select this option if your home’s construction type does not fit into any of the other categories.
More Information: Renters insurance coverage includes protection from hazards that usually include:
- Fire or Lightning
- Vandalism or malicious mischief
- Accidental discharge of water (e.g. a sink overflowing)
You are now probably wondering how much this is going to cost you. The answer depends on where your property is located, how big it is, the structure of the dwelling and the amount of coverage you choose. The good news is that for as little as $12 a month, you can be insured with a reliable renters insurance policy, along with the option for various payment plans!
The best thing you can do is visit geico.com for an online renters insurance quote or pick up the phone and call us at 1-800-841-2964 for a renters insurance policy. A 2006 Insurance Research Council Poll  found that only 43% of all renters nationwide had renters insurance—don't fall victim without renters coverage.
 “Public Attitude Monitor 2006, Issue 1, Natural Disaster.” August 2006, p. 25.
Please note: The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions expressly stated in any contracts of insurance.
Renters policies are written by non-affiliated insurers through GEICO Insurance Agency, Inc. Some discounts, coverages, payment plans and features are not available in all states or in all GEICO companies. See geico.com for more details. Government Employees Insurance Co-GEICO General Insurance Co-GEICO Indemnity Co-GEICO Casualty Co GEICO: Washington DC 20076. © 2009 GEICO