Many renters are under the impression that their landlord’s insurance policy will cover their belongings. Unfortunately that generally isn’t the case. Your landlord’s policy covers the building itself but it may not include your personal belongings, and may not cover injuries sustained within the structures. That’s where renter’s insurance comes in.

Renter’s insurance protects your personal property in a rented apartment, condo, or home from expected circumstances such as theft, fire, sewage back-up damage and will pay you for the lost or  you damaged possessions, it can also help protect you from liability if someone is injured on the property.

Renters Insurance is similar to home insurance in scope with the exceptionthat it does not provide coverage for the dwelling itself or other structures. 

If you experience a covered loss in your rented space, renters insurance can help to cover the associated costs. There are 2 types of coverage options under a typical renters policy

• Actual Cash Value Coverage will reimburse you for the value of the items at the time of the damage or loss
• Replacement Cost Coverage covers the cost it takes to repalce the items lost or damaged.

Renter’s insurance may also cover you if you’re forced to move out of your home.If a person is injured in the home and needs medical attention. Items inside your car are damaged or lost.

Contact the Ziegler Insurance Agency for moe info about renters insurance.