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Renters Insurance

Renters Insurance Policies

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Just because you don't own your home doesn't mean that you need to forget about insurance. In fact, you still have to worry about natural disasters, fires and even burglary. While we hope these things never befall you, it's always better to be safe than sorry.

While your landlord pays for insurance on the building you live in -- whether it's an apartment building or duplex -- this offers them protection and not you. What do you do when your brand-new TV is damaged because there's a leak in the plumbing in the apartment above yours? Can you afford to replace you furniture in the event of a fire? Renters insurance helps to minimize the uncertainty so you can rest assured that you're always covered.

 

Renters insurance covers a variety of accidents, natural disasters and property damage, including:

Fire

Frozen and burst pipes and plumbing

Hail and wind damage

Lightning damage

 

Rental insurance also protects you against theft of your possessions from your rented home. This includes electronics, furniture, jewelry and high-value art, among other material possessions.

Like other types of insurance, renter's insurance will help you repair or replace damaged or stolen goods. However, that's not all it covers. Rental insurance can even protect you from being responsible should someone become hurt in your rented housing.

Renter's insurance doesn't cover business losses if you work from your home, and there are limitations when it comes to vehicles and other craft that you might store on the premises.

You may not own your home, but you probably own thousands of dollars worth of goods. Estimating the value of your property shows just how crucial renter's insurance is, and will help you determine how much insurance will cost. You'd be surprised at how affordable this type of insurance really is! You may even qualify for discounts if you use a home security system or opt for multiple types of insurance from the same insurance provider. However, rental insurance is a necessity even if it's the only type of insurance you pay for.

 


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