Why You Need Renter’s Insurance 

A common misconception is that you are covered by your Landlords insurance. This is not the case. You’ll need renter’s insurance to protect your belongings from perils like theft, vandalism, fire, and falling objects the minute you begin renting. According to recent estimates, nearly two-thirds of the 81 million people who rent their homes are uninsured for their contents or for any liability arising out of their tenancy. Protect yourself and your belongings today!

Renters insurance assures you that you’re protected against the damage or loss of personal property when you rent an apartment or house. Your landlord may have insurance that protects the physical building in which you reside, but this insurance will not cover your personal property. In fact, it’s not at all uncommon for landlords to require the purchase of renters insurance prior to renting or leasing.

Not only will renters insurance protect your personal items, it will also give you help with temporary housing and liability protection for people on your property. Renters insurance can also help protect you in case of a liability lawsuit against you. This could occur in a situation where you are held responsible for:

• Injury to another person
• Damage to another person’s property(whether the incident occurred within your rented residence or elsewhere)

Your renters insurance policy will cover:

• Personal property protection
• Family liability protection
• Guest medical protection
• Additional living expenses
• Additional protection