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Residential Buildings with Solar Panels_

Renters Insurance

Renters insurance is one of the most important polices you can purchase. It covers your personal belongings, loss of use, personal liability to protect you and is affordable.

Renters Insurance

If you are a renter, your landlord has coverage on the building.  However, you have no coverage on your personal property or anything to protect you against a lawsuit. 

This is why it is so important to get Renters insurance,  Renters insurance covers anything from an apartment, mobile home, even a home that you rent.

No matter how careful you may be with your own apartment, you can't control how careful your neighbors will be.  They may have a friend spend the night that could break in your apartment, they could leave a candle burning that could cause fire damage to your apartment and belongings or a pipe could burst in your neighbors apartment and flood their apartment, which will more than likely flood your apartment and your personal belongings.  What would you do?  How would you replace your belongings?  Where would you live?  Renters insurance would cover all that, usually for less than $10.00 a month.

What all does Renters Insurance cover?

Typically, a renters insurance policy can provide coverage for:

   *  Your personal propertyIf your belongings are damaged or stolen. The same kinds of unexpected events-storms, theft and fire that   

       are covered by homeowners insurance are generally covered by renters insurance, too. The coverage could apply even if your things are not   

       in your home when they’re damaged or stolen.  Example: This includes items stolen in your car or a storage building (on or off 

       premises).  You can choose how much Personal Property it will take to replace all your belongings, including in a storage   

      shed or your car.

 

   * Your liability:  If someone outside your household is hurt (example a friend trips on a rug) or their property is damaged and you are sued,

       liability coverage can help pay legal fees and settlements, up to the limit you choose, if you are found at fault.  Example: You cause a 

      small house fire in the kitchen, this gives you money to repair the damage you caused.

 

  • Additional living expenses:  this helps you pay for your rent, food and other additional costs if you have to live elsewhere while your space is repaired.  Example: While the small house fire you caused is being repaired, if your neighbor left a candle burning and caused your home damage or your apartment was flooded from a busted pipe, your Renters insurance could help pay for rent, food and other additional cost while your space is being repaired. 

How much does Rental Insurance cost?
Renters Insurance is one of the most reasonable and most important coverages you can purchase to protect you,  your belongings, money to cover any damage you may cause and additional living expenses in case your home needs to be rebuilt.  Depending on what you choose as the cost of replacing all your personal items.  It can run as low as $10 a month.  

 

RENTERS Insurance is so important to have!

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