Imagine this: you arrive home late one night to discover the pipes in the apartment above yours burst some time during the day. Your neighbor is out of town, so the water has gushed down through your apartment for hours, ruining everything in its path. The landlord has to pay for it, right?
WRONG! When you rent an apartment or home, your landlord should have insurance that protects the building itself, but that won’t include any of your belongings.
A Tenant Insurance Policy typically covers:
- Your personal property, no matter where it is.
- Loss of Use (additional living expenses you incur because of temporary relocation).
- Personal Liability for bodily injury, property damage or personal injury claims brought against you anywhere in the world.
- Medical payments to others who are injured in an accident arising from your premises or personal activities.
You may also choose to add additional features to your policy, such as:
- Replacement cost settlements on personal property
- Sewer or drain backup
- Incidental business occupancy
- Earthquake Coverage
- Scheduled Personal Property
- Expanded Endorsement
- Identity Recovery Coverage
Renters Insurance will protect you in case of a robbery, fire or other disasters. And it’s not as expensive as you think. For as little as a few dollars per month, you will have the coverage you need to replace your belongings. Contact us today for your free quote.