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Renters Insurance

renters insurance

What Is It?

Renters Insurance is a form of property insurance providing coverage for a person renting any type of property. These policies help protect your personal items while including coverage for a multitude of other areas. Standard perils covered under this policy include:

Water Damage
Personally Liability

Renters insurance applies to persons renting or subletting any type of property from a single family home to an apartment, loft, or townhouse. Landlord or property owner may have their own coverage but their policy limits wouldn’t extend to your personal belongings.

Why Is It Important?

Many renters may want to consider purchasing coverage because should you incur a covered loss, it would not only help decrease or eliminate out of pocket expenses but it is very economically priced. Renters Insurance is always recommended not only for the personal property aspect but also the personal liability coverage that is standardly included in policies. The personal liability coverage can be used if you are found legally liable for an injury that occurred while on your premises which can be a costly out of pocket expense.
Additionally, renters insurance fills the gaps from your auto policy on your belongings that may get damaged or stolen while on your premises. This is an important factor because your auto insurance may cover your vehicle, but not your personal belongings as that would only be available under your renters policy.

How Much Coverage Is Needed?

Increasingly, landlords are requiring their tenants to carry their own renters policy to further protect the renter’s personal property in the event of a claim, otherwise, renters insurance coverage is completely optional. It is recommended to take an inventory of your belongings: furniture, clothing, accessories expenses can add quickly should you suffer a loss, determining the total value of your items.

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