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Renters Insurance

Belongings Hold Memories. Make Sure They’re Safe.

If you rent an apartment, house, condo, or even a dorm room, you may not think you need insurance. But in the event that fire, theft, or vandalism damages your property, it’s unlikely that your landlord will pay to replace your belongings.

At Insurance First Inc., we know that you’ve most likely invested a lot of time and money in your personal property, and it’s up to you to take care of it. Having a Renters Insurance, or Tenants Insurance, policy can pay for the cost of replacing your belongings if they are damaged due to a covered accident, or if they’re stolen.

Depending on your policy, your insurance will pay to replace items using one of two methods: Actual Cash Value (ACV) or Replacement Cost. With ACV coverage, your belongings are insured only for the amount in which they are currently worth, while Replacement Cost will pay for the expense of replacing the items with brand new ones.
 

Additional Insurance Options


Also included in your Renters Insurance is Liability Coverage to safeguard yourself from injury claims that occur in your home. If someone gets hurt on your property, your insurance can pay the related medical payments and expenses, and provide for the cost of legal support if you are sued.

In the event that a fire or other damage makes your residence uninhabitable and places you in a “loss of use” situation, your Renters Insurance may temporarily reimburse you for the cost of another residence in which to live.

Representatives from Insurance First Inc. are committed to working with you to design a policy that ensures you get the options you want at a price you can afford.

Our Location

Insurance First Inc.

217 N Bullard Street
Silver City, NM 88061
Main office: 575-567-3495
Toll free: 844-534-9118
Fax: 877-428-2479

Our Providers

Testimonials

Chelsea looks for lower rates for each of our many policies every year, and delivers. We appreciate her helping our school. Saving us money on our insurance helped our grant significantly!

El Grito Head Start, Silver City, NM
As a new company, we were looking for an insurance agency that would find the best coverage at the best price to fit our needs. Insurance First was that agency. Chelsea and her staff have gone above and beyond our expectations. We look forward to doing business with Insurance First for years to come.

Chapos Insulation, Albuquerque, NM
I found the personal attention I received from Chelsea to be exceptional. Whenever I had any issues, she did all the work to resolve them right away. Thank you Chelsea for making my insurance needs effortless.

Elly Katz, MI