Protect Your Apartment, Condo, or Rental House with Renters Insurance

Did you know that your valuables might not be covered by your landlord’s or homeowner’s association policy in the event of theft or damage? If you are renting an apartment, home, or condo, you can protect your family and belongings with USAgencies.

What is Renters Insurance?

Renters Insurance protects you from unexpected events, such as fire, theft, water damage and other unplanned circumstances – events your landlord’s policy won’t cover. For example, you’re at work or on a family vacation, and when you return home, you find your building has been destroyed by a gas explosion. In most cases, a landlord’s insurance only covers structural damage to the building itself, not the possessions or liability of a tenant. Renters insurance will also protect you from incidents that happen while you’re at home, such as a fire caused by your toaster malfunctioning or if someone trips and falls in your apartment, leading to expensive medical bills or even a lawsuit. Renters insurance provides coverage for your own items, and it provides coverage for other people’s injuries or damages in situations for which you’re liable, as well.

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Renters Insurance Covers More Than Property, Possessions, and Belongings

Personal Property

Renters insurance policies typically cover the following:

  • Stereo systems, VCRs & TVs
  • CDs, DVDs, videos & tapes
  • Personal cameras
  • Movable appliances, including microwave
  • Furniture
  • Sports equipment
  • China and glassware
  • Clothing
  • Books

Natural Hazards

Most policies protect your personal property against losses caused by the following:

  • Fire and smoke
  • Vandalism
  • Water damage (not including floods)
  • Frozen water pipes
  • Hail
  • Windstorm
  • Lightning
  • Explosion
  • Vehicles or aircraft
  • Theft at residence

Renters insurance helps to pay for a place to stay if you can’t live in your apartment by damage from something like a hurricane or major repair — up to a point. Some policies place time limits on how long they’ll cover expenses of staying in a new place, such as six months or a year, while others put a cap on how much they’ll shell out.

Some landlords require tenants to obtain a renter’s insurance policy. Whether your landlord requires renters insurance or not, it’s a good idea to take an inventory of your possessions and think about what it would cost you to replace them. For less than the cost of a take-out meal a month, a renter’s insurance policy will give you peace of mind. Protect your family and your possessions with the best renters insurance from USAgencies.

Give us a call at 800-958-8545 to find out if renter’s insurance is available in your area.