The amount of coverage you need will depend on how much your belongings are worth. Insurance companies only pay out the amount of coverage that you choose when you sign up for the policy. Glazd highly recommends you do your due diligence and create a home inventory of your items and how much they are worth. This will help you know how much personal property coverage you will need, but it will also help you if you need to file a claim. When you document your belongings when you purchase your policy, it streamlines any future claim that you may have. 

Your landlord has coverage for the building you live in, but their insurance will not cover you or your personal property. For instance, if a tenant above you leaves their bath running and it floods your unit damaging your tv, couch, and bed; your landlord’s  insurance would not cover your stuff. If you have active coverage, you may covered in this instance. You may also have coverage if you had to stay in a hotel for a few days while repairs are done on your unit. 

This type of coverage helps cover medical expenses if one of your guests is accidentally injured in your unit. Your policy may help for things like: 

• Ambulance rides
• Dental work
• Hospital stays
• X-rays

This type of coverage helps pay for legal expenses, medical bills and other damages if someone gets injured at your unit and sues you. 

Glazd charges for three months upfront and then the monthly fee for the next 9 month. 

For Example: if you select a policy for $13/month, Glazd charges $39 for the first payment. You then pay $13/month for months 2-10. You are not charged at months 11 and 12. 

1. Take pictures of the things you own.
   1. Go into each room of your apartment including the kitchen and bathroom and take photos of your personal belongings. You should also take close up photos of the serial numbers(this will help if you need to make a claim). You may also want to shoot a video walk through of your apartment to help identify your belongings in your apartment. 
2. Write down the value of your belongings.
   1. If you know the price of an item, document it.
   2.  If you don’t know the price of an item, you can look up how much it would cost to replace the item. 
3. Receipts and proof of purchase
   1. Gather receipts or proof of purchase for the more expensive items in your unit(we understand you may not have this for all of your items).
4. Save your inventory and store in safe place in case you do have to file a claim. 
5.  There are home inventory apps that you can also use!

Simply upload your policy declaration page or send it to [email protected] and we will take it from there. Or click here for more direction.