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Renters Insurance
Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.
However, renters insurance does not cover damage from floods or routine wear and tear. Separate flood insurance policies are available.
Renters insurance provides loss of use coverage in case you need to rent living space after a loss. It also covers meals and other living expenses incurred while your home or apartment is being rebuilt.
Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet, and pays legal defense costs if you are taken to court.
The amount of personal property coverage will vary from person to person. Adding up the cost of everything you would want to replace if it were damaged or stolen, is a good starting point in determining how much coverage you’ll need. For inventory purposes you should make a record of model numbers and the dates and places of purchase. It’s also advisable to take photographs and or make a video of these items and place a copy of the inventory in safe place away form your home.
If you rent an apartment or house you need renters insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies.
Contact Us today to get your Renters Insurance!
