Many people don’t realize the benefits of renter’s insurance until it is too late. Truthfully, not all Renters Insurance Policies are created equal! Did you know that some policies will cover items you lost? Thats right… Lost, not stolen. If your laptop is stolen from your hotel room or your bicycle is stolen from the bike rack, they may still be covered (since renters insurance covers theft). Others may cover you for natural disasters while some may not. Each carrier sets their own policies and coverage options much like car insurance and homeowners insurance. This is why it is important for you to understand what a policy will and won’t do for you!
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In addition to coverage for personal belongings, Renters Insurance can also provide coverage for bodily injury liability, medical payments, legal expenses, and more. Some carriers also offer options for specialty items like firearms, jewelry, fine art, and other high value items. The most important component of a Renters Insurance policy might just be the coverage for living expenses should your home become unlivable due to fire, water damage, or other reason. Most policies will cover reasonable living expenses so you can find temporary housing.
If you are renting and would like to see what a policy would run, do yourself a favor and give our office a call today!