If you are a renter whose home falls victim to theft, or is caught in a natural disaster, the house or apartment where you live will most likely be covered under your landlord's Homeowners Insurance policy. The building owner's policy will cover repairs or replacements of their assets- the building. The contents of the building are likely excluded in that coverage, leaving tenants responsible to protect themselves and the contents of their home. Our insurance professionals can answer your questions regarding your particular needs.
Should you experience damage caused by a criminal break-in or severe weather, all of your possessions could be a total loss. Whether you believe your personal belongings have a high value or not, they deserve protection. It is recommended that renters create and keep a complete video inventory of all furnishings, electronics, and other personal effects. Landlords have insurance policies to cover their assets. But who will be there to look out for your personal effects? If you carry Renter's Insurance, you can rest assured that you are covered. Our experts are personally available to address your specific concerns.
What about liability for injury?
Believe it or not, as a renter, you can be held responsible for personal injury caused by accidents that may occur within your rented residence. Renters Insurance can protect you from personal liability. Renters insurance is surprisingly inexpensive, so it is worthwhile to consult an expert.