Are you renting a home or apartment? If so, you might think that your landlord’s insurance policy will cover any damage or losses that occur. However, this is not the case. Renters insurance is an important type of insurance that protects you and your personal belongings in case of a covered loss, such as a fire or theft.
Why do you need renter’s insurance?
First and foremost, renter’s insurance can protect you financially. If a covered loss occurs, your policy can help pay for the cost of replacing your belongings, as well as any temporary living expenses you may incur. Items such as your furniture, all your clothing, TV, day to day appliances – all of which become expensive to replace without insurance.
Liability Coverage Included in Renter’s Insurance
In addition to protecting your belongings, renter’s insurance can provide liability coverage. This means that if someone is injured while on your rented property, your insurance policy can help cover any medical bills or legal fees that may result should you be sued. Without renters insurance, you could be personally responsible for paying these costs out of pocket.
Independent Insurance Agents Can Help Find You the Right Renter’s Insurance
While it’s important to have renters insurance, it’s also important to work with the right insurance company or agent. That’s where an independent insurance agent comes in. An independent insurance agent is not tied to any specific insurance company, which means they can shop around and compare policies from multiple companies to find the best coverage for your needs and budget. They are also able to offer a more personalized experience, as they are not bound by the policies and procedures of a larger, national insurance company.
If you need renters insurance, contact Leigh Agency. Our independent agents will be happy to help you find the best policy for your needs. Give us a call today to get started.