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I rent a Room at a Friend’s House—Do I Need Renters Insurance?

Do you rent a room in a friend’s house? If so, have you considered if renters insurance is required? Renters insurance protects you financially if something happens to the belongings in your rented space. Let us explain why any renter, even if renting from a friend or family member, should consider renters insurance. 

What Is Covered by Renters Insurance? 

Renters insurance covers the expense of lost, stolen, or damaged items on the grounds of your rental agreement. This coverage can extend to furniture, electronics, apparel, and other items. Most plans also cover liability lawsuits brought against you. For example, if someone was harmed on your rental agreement’s grounds and wanted to sue you for damages, renters insurance would help cover those costs.

Furthermore, many policies provide supplementary living expenses coverage, which helps cover the costs of a temporary relocation if an accident renders your residence uninhabitable. Guardian Insurance can assist you in locating the best insurance for your needs.

Is Renters Insurance Still Required If I Rent From a Friend? 

Yes! Even if you are renting from a friend or family member in Omaha, NE or anywhere in the Midwest, obtaining renters’ insurance will protect you financially if something happens to your things. Although your landlord may have their own homeowner’s insurance policy, it is unlikely to cover any of your belongings – this is where renters’ insurance comes in!

Renting a room from a friend is a great option to save money while still having home comforts. To be financially covered in the event of a calamity, every tenant should consider purchasing their own individual renters’ coverage.

Reach Out To Us

Contact our staff now to learn more about how Guardian Insurance in Omaha, NE can protect you and your things while living in the Midwest. We are here to help!

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