Liability Coverage and Coverage for Your Belongings
Renters’ insurance protects renters in the same way that a homeowners’ policy protects your home. Renters are exposed to many of the same risks as homeowners when it comes to their personal property and personal liability. Your landlord’s policy covers the building structure, but not the items in your rented apartment or home. If you’re living in a rental unit or lease your home, then you still need renters insurance to protect yourself and your personal belongings.
Take a look at our renters’ insurance policies; they are an economical way to ensure that you can replace your stolen, damaged or destroyed property. Can you afford to replace your computers, electronics, jewelry, furniture, if they are lost in a fire or stolen? Renters insurance also provides personal liability coverage to protect you from potential lawsuits. Most renters insurance policies also cover medical payments for individuals who get injured at your home, property damage to others if you cause damage to another person’s property, and it provides additional living expenses if you become temporarily displaced from your apartment or home.
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What is Umbrella Coverage?
Personal Umbrella Coverage Let’s say you have a policy for your home and your family’s cars. You have just the right policy for the apartment you rent out to others as well as coverage for your boating excursions. Your homeowner’s policy even has a special, added protection for the business that your spouse runs out
Do Renters Need Insurance?
Why Renters Should Buy Insurance Statistics show that renters, unlike homeowners’, frequently choose not to insure for reasons such as: Insurance isn’t necessary because there’s no home, garage or similar property to worry about There’s coverage automatically provided by my landlord, host or relative with whom I’m living I can’t afford it I don’t have
6 Reasons Why Your Insurance Premiums Go Up
Common reasons why your insurance rates have increased. 1. A rate increase by your insurance company. 2. Multiple small claims 3. One or more large claims 4. A change in your household such as: A new driver in your household A home addition or remodel Addition of a swimming pool or trampoline A new family dog
Save Money on Your Homeowners Insurance Without Sacrificing Coverage
Your home is your most valuable asset, so you want to be certain your homeowners’ insurance provides you with adequate coverage in an emergency. With so many things that can go wrong with your prized possession, you don’t want to scrimp on your insurance, but you also want to ensure that you get the best
Swimming Pools, Trampolines… What’s An Attractive Nuisance?
What Is An Attractive Nuisance? This is a term originated by a judge to describe a property that attracts youngsters and, because of its dangerous nature, creates a special obligation to property owners. Examples are: swimming pools trampolines empty buildings appliances kept outside excavations construction materials zip lines All of these can lure children onto
Get the Facts About Insuring Your Valuables
Insuring High-Value Items High-Value Items Insurance provides coverage for expensive, high-value items you own. People who possess high-value items such as expensive jewelry, furs, antiques, or firearms, may need additional coverage. While your Homeowners Policy provides the first level of protection for lost, stolen or damaged property, it has limitations to the amount and type of
Dog Ownership and Your Insurance
Insurance and Dog Bites Dogs make great companions, playmates, and protectors; they also continue to be a problem for insurers. Nearly two million people are bitten by dogs each year with around 800,000 persons requiring professional medical treatment for their wounds. Each of these incidents is a potential lawsuit. Have Teeth, Will Bite Nearly 40%
What you need to know about filing a homeowners claim
The homeowners’ insurance claims process often comes along with extra stress and uncertainty. Filing a claim with your insurance company means you’ve suffered an unexpected loss or damage to your home and getting your life back to normal is your number one priority and our priority too. To take away some of the hassle and