Renters Insurance

Many people who choose to rent rather than purchase a home may consider renters insurance an unnecessary expense. Regardless of the value of your belongings, if you lost all of your personal property as a result of an accident, fire, theft or other damages, can you afford to replace everything?

Many renters assume that their landlord’s insurance will cover their possessions. The landlord’s insurance only covers damage to the building – not to you, your guests or your personal belongs. Buying your own renters insurance with personal liability can protect you and your personal items that are lost or damaged. If a fire or break-in happens and you don’t have an affordable renters insurance policy, you could lose everything. Or imagine facing an expensive lawsuit due to someone claiming you were at fault for their injury while at your home. Renters insurance protects you against those possibilities.

Buying a renters insurance policy from our agency can financially protect you against losses by replacing the cost of your personal property and contents in your home. Electronics, appliances, clothing, and other items are insured. In addition, you and visitors to your rented home are also protected with customized policy benefits that can include hotel expenses in the event that you must vacate the premises due to an accident, fire, or other peril.

A landlord is concerned mainly with the rental business. Most have little or no concern for tenant’s belongings. Don’t rely on your landlord’s insurance which only covers the dwelling but not your belongings. An affordable renters insurance policy from our agency offers options that include full replacement cost of your valuables that are lost or damaged as a result of unexpected accidents or theft.