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.