Do You Have Renters Insurance?

Did you know that even if you don't own your own home, that you can still insure your things? I personally believe that in this day in age you shouldn't ever be walking around without insurance on anything that you value. Here in Houston we are infamous for our Hurricanes and Floods, which is the reason your mortgage company will not allow you to go without any insurance on your home.

Why would you want to let the owners of your apartment complex or home that you are renting have their belongings covered but you don't do the same for yourself? Renters insurance is very inexpensive. I have sold renters insurance policies for as little as $6.40 per month. That is $76.80 per year! Why wouldn't someone want to put $10,000 worth of coverage on their belongings plus liability and some medical coverage that comes along with it for $76 per year? Well I'm relieved to say that most people that I come across want to. I mean it only makes sense right? Well here are a few things that renters insurance can do for you.

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Contents (Your Possessions)

Renters insurance covers your possessions for you. You choose the amount of coverage depending on the amount of property you own. One of the great and little known facts about renters insurance is that your possessions are covered any where in the world. It's as simple as taking pictures of things to log your possessions.

Liability

If you are legally liable to the damage to someone else or their property renters insurance will also cover you and eligible members of your household. One thing most people don't know is that the renters insurance will also cover these negligent acts by you or your pet on or off the property. This includes cost to resolve claims and to defend yourself in lawsuits.

Medical Payments

Did you know renters insurance covers the cost of medical bills of people injured at your home regardless of liability. So even if they are at fault, they are still covered if it happens in your home. That is a huge liability off of you as well.

Additional Living Expenses

One of the nicest features that I am also aware that many people do not know about is the additional living expenses attached to renters insurance policies. Were you aware that if a covered loss makes your home unlivable that renters insurance covers additional expenses as well. The amount your policy will cover is based on a percentage of the amount of coverage you choose for all of your personal belongings and property.

Optional Coverages

There are many optional coverages that are offered in renters insurance policies as well. You will want to speak to your agent about these optional coverages. A few examples would be.

Scheduled Personal Property

This is for important valuables in your home.

Replacement Cost

This gives you the ability to replace lost or damaged items without deducting for the depreciation of the item.

Identity Protection

Many people absolutely have no idea that you can have identity theft protection on your renters insurance policy.

These are just some of the things that a renters insurance policy can do for you. So if you are renting contact us and we will be glad to help you with insuring your property today.

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Posted in Law Post Date 09/02/2018


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