How Renters’ Insurance Works

When you rent your home, you don’t need to get home insurance. That coverage is for the home’s owner to carry. However, you do need to have renters’ insurance. This works very differently from home insurance in some ways, but it also includes similar coverage types. If you are a renter and in need of renters’ insurance, call us at Express Insurance in Longwood, FL.

It Protects Your Belongings

Like home insurance, renters’ insurance comes with coverage for all of your belongings inside your home. It protects them against covered incidents like inevitable accidents, calamities, and disasters. When a covered incident happens, and your belongings are ruined, the policy can pay for them so that they can be replaced. It’s important to have this coverage to protect what you own so that you aren’t left with anything after a significant incident that ruins your possessions. 

It Protects Your Liability

Even though you aren’t the property owner, you are still responsible for what occurs there. If someone were to come into your rental and have an accident that left them with injuries, you could be liable for paying for those injuries. With renters’ insurance, the policy would pay for those injuries so that you wouldn’t have to. 

It Protects Your Quality of Life

If an event should significantly damage your rented home, your renters’ insurance can pay for you to live elsewhere for the duration of the repairs. This is important for those who can’t afford to find a temporary home while theirs is being repaired. 

Get Your Renters’ Insurance Policy

If you are renting, it’s always essential to have renters’ insurance. Most landlords today even require it. Call Express Insurance in Longwood, FL to get started with a policy.