Whether you own a house or rent an apartment, it’s important to protect the place you call home. Renters insurance offers valuable protection and peace of mind at a low cost.
Although renters insurance offers great protection, it is important to understand what it will not cover.
Renters insurance does not cover the actual building you live in—your landlord should have separate insurance for that.
Renters insurance also will not cover normal damage or wear and tear to the apartment, so if your kids color on the walls, plan on having that come out of your security deposit.
All American insurance partners with 35 carriers, which allows us to find the perfect coverage for your specific situation. Traditional renters insurance policies cover the following:
Personal Property: Your landlord’s insurance only covers the actual structure; it doesn’t cover any of your belongings inside. Renters insurance protects your furniture, appliances, clothing, personal electronics and more. To make sure you get enough coverage, do an inventory of your belongings—you might be surprised at how much everything is worth.
Liability: This coverage protects you if a guest is injured at your apartment. It will pay for medical expenses and cover the costs of legal representation in the event of a lawsuit.
Loss of Use: Living in a hotel and eating at restaurants for a few weeks straight can get pretty costly pretty quickly. This is why many renters insurance policies include loss of use coverage. It pays for living expenses if your apartment becomes uninhabitable.
Renters insurance is traditionally very affordable. Because All American Insurance is an independent agency, we can shop around to find a great deal on a policy at a very low rate. Get a free quote onlineor call us today at 918-832-8823.
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