Residential Renter’s Insurance

     Renters’ Insurance is very cost-effective protection for you. The property insurance that covers the dwelling you rent, not being owned by you, does not cover your belongings in case of a fire, water damage from a broken pipe, or some other catastrophe such as theft. Renter’s insurance can replace, or repair your belongings. If you had to replace only your clothes, that alone would be a big expenditure.  If you are forced to temporarily vacate because of a claim, living in a hotel, and eating in restaurants, renters insurance can cover your added living expenses.

                                                                                                                        The insurance also provides personal liability coverage in case you are found to have legal liabilities from a covered injury or property damage someone else has while in your residence. Additionally, renters insurance provides personal property protection when you are traveling and not even at home. Premiums typically run $200 annually – about $10 per month which is cost-effective protection for you.