Renters Insurance
Renters insurance offers essential financial protection against various adversities, whether it involves safeguarding your personal belongings from damage or ensuring liability coverage in case of injuries on your premises. If you’re considering renters insurance, we’re here to assist you. Contact us today to explore your renters insurance options or to obtain a quote.
What Is Renters Insurance?
Renters insurance provides coverage for property loss and liability, encompassing the following:
- Property protection—Renters insurance covers your possessions against damage from incidents such as fire, smoke, lightning, vandalism, theft, and water damage (excluding flooding). It extends beyond on-premise hazards, offering protection for property stolen from your car or damaged anywhere you happen to be. Speak with your agent to explore additional property protection options, such as flood and earthquake insurance, as well as scheduled items riders.
- Liability protection— The liability component of renters insurance shields against claims of third-party bodily injury or property damage caused by you or another insured person listed on your policy. It may also cover medical expenses for injuries sustained on your rental property and provide coverage for legal defense costs and judgments in lawsuits, whether occurring within your rented residence or elsewhere.
Moreover, some renters insurance policies cover temporary living expenses if you need to reside elsewhere due to a covered disaster like a fire or severe storm. This coverage may include hotel bills, temporary rentals, restaurant meals, and other living expenses. Consult with your insurer to ascertain if your renters insurance policy includes this provision.
How to Get Renters Insurance
Whether you reside in a rented house, condo, or apartment, renters insurance can prove invaluable. Contact us today to learn more about renters insurance or to receive a no-obligation quote.