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1 year ago · by · 0 comments

Renters Insurance

Why Do I Need Renters Insurance?

Just because your landlord has coverage doesn’t mean that you do too. In most cases, your landlord’s insurance policy covers only structural damage to the building itself. Renters insurance protects your possessions in case of a covered loss from fire, smoke, lightning, vandalism and theft. It also extends beyond on premise theft and hazards, covering property that is stolen from your car or is lost or damaged anywhere you happen to be.

Why Do I Need Renters Insurance?

Just because your landlord has coverage doesn’t mean that you do too. In most cases, your landlord’s insurance policy covers only structural damage to the building itself. Renters insurance protects your possessions in case of a covered loss from fire, smoke, lightning, vandalism and theft. It also extends beyond on premise theft and hazards, covering property that is stolen from your car or is lost or damaged anywhere you happen to be.

Is Coverage Affordable?

Because renters insurance covers only the value of your belongings, not the building, the premium is relatively inexpensive. For about the same cost as going to the movies once a month, you can gain peace of mind, regardless of life’s unexpected mishaps.

renters insurance

Renters Insurance Considerations

What do you think your belongings are worth? Without coverage, replacing these items could be a real financial hardship. With renters insurance, you are covered.

Plus, if you have valuables such as expensive jewelry or collectibles, an endorsement to a renters insurance policy can add to the policy’s provisions. This means that in the event of a covered loss, the amount of insurance is enough to cover the repair, replacement or cash reimbursement of the item. That also means that your expensive camera equipment or wedding ring can be covered, too.

Renters insurance provides protection against both property loss and liability in the event that you cause injury or property damage. To learn more about what that means, we’ve covered some basics about each.

Part I: Property Protection

Renters insurance covers your possessions against damage for things such as fire, smoke, lightning, vandalism, theft and water damage—but not flooding—to name a few.

It also extends beyond on-premise theft and hazards, covering property that is stolen from your car, or lost or damaged anywhere you happen to be.

Part II: Liability Coverage

In addition to protecting your personal property, this insurance also protects you in the event that you are responsible for injury or property damage to others. That means you’ll likely be protected if someone slips and sprains their ankle at your annual birthday bash.

Liability also provides coverage for legal defense costs and judgments in a lawsuit, whether the incident occurred within your rented residence, or elsewhere.

Contact us for more information on insurances.

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earthquakeinsurancelosangeles.com is a digital insurance comparison engine, providing rates and insurance services in all 50 states through its relationships with carriers and agency partners.

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