Are you a renter? Have you considered renters insurance? Unfortunately, many tenants tend to forgo renters’ insurance because they think the landlord’s insurance covers them. The reality is that the landlord insurance only covers the property but not your assets. If you want to protect your assets and other areas of your life, consider renters insurance from Guardian Insurance in Omaha, NE.
Renter’s insurance coverage options
If you are a tenant, you don’t own the property, but that doesn’t mean you don’t need insurance. Here are the areas covered by renters’ insurance:
- Contents coverage: If you look back at the time and money it has taken to accumulate your personal belongings, you will see the need to protect your assets a little more. One way you can safeguard your assets is by investing in renters’ insurance. This coverage protects your assets from perils like fire, theft, and natural disasters. Renters insurance also covers your belongings while on the go. For instance, if your expensive phone is stolen while at school or in the mall, renters’ insurance should step in to cover the loss.
- Liability coverage: Renters insurance can protect you when accused of causing property damage or bodily injury to others. For instance, if your pet bites a neighbor, renters’ insurance should pay for the medical costs and legal expenses if sued. Similarly, renters’ insurance should protect you if fire from your apartment spreads to nearby structures.
- Loss of use: Renters insurance covers you should a peril listed in your policy renders your property unlivable. Renters insurance pays for the additional living expenses, including hotel food and accommodation, until your home or apartment is repaired.
Are you looking for renters’ insurance in Nebraska, Florida, Kansas, Missouri, Colorado, Iowa, South Dakota, or Arizona? Don’t look beyond Guardian Insurance. We offer customizable and affordable policies for your convenience. Please call us or visit our Omaha, NE office to learn more about renters’ insurance.