Reasons to Purchase Renters Insurance

Why should I buy renters insurance? may be a question your asking yourself.

Generally, your apartment community or landlord’s current insurance policy covers the physical dwelling, but not the important and personal items inside of it. Not to mention, you could be liable for bodily injury or property damage to others, so the importance of shopping for renters insurance today should be on the top of any tenants list to protect you from loss - material, and legal.

Don’t be caught surprised and unprepared by an unfortunate incident or accident. Here’s what you need to know about a renters insurance policy:

Types of Protection

• Personal Property Protection provides coverage for personal items like televisions, bikes, jewelry, clothing and so on, Note: the type of items covered will vary depending on the type of policy and company

• Personable liability Protection is usually a standard feature in a renters insurance policy, protecting you from unintentional bodily injury or property damage due to accidental occurrences in your apartment, as well as liability for damage to other people’s property. Liability coverage will vary depending on the company and policy.

Actual Cash Value (ACV) covers the value of your items at the time they were purchased, so the amount paid to you depends on wear and tear as well as the deductible and coverage limits.
Replacement Cost Coverage pays you for the cost of replacing the item, but can often result in a higher premium. Again, deductible and coverage limits will affect the amount that is paid to you, though this type of coverage will replace your item with something comparable.
Medical covers medical costs in case of accidental injury involving a guest while on your property.
Protect your personal belongings and liability with the assurance and affordability of a renters insurance policy today. Compare multiple quotes and find the coverage that best fits your needs.

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