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What Does Renters Insurance Do Anyway?

When renting an apartment or house, sometimes figuring out the uses of renter’s insurance can be complicated. Although a renters insurance policy often comes at a low cost to you that does not mean that the coverage is low. A common misconception of renters insurance, or any policy with a low rate for that matter, is that less cost to you means less coverage. This is absolutely not the case.

Renters insurance is less expensive than homeowners insurance, for example, there is typically less property (structure)  and possessions to cover in a rental. There a lot more expenses that go into owning and maintaining a home, which is something one living in a rental property does not need to worry about. Since the owner of a rental property is responsible for keeping up with maintenance of a building, they have their own insurance policy. A renter only needs insurance for their personal possessions and property, what they have inside their apartments/rental property.

If something catastrophic, like a hurricane or fire, should happen to your apartment building or home, the only person responsible for your belongings is you. The owner of the building that your apartment is in will most likely have their own insurance policy to cover the damages to the actual structure, but they are in no way liable to cover damages to your personal property. Having a renters insurance policy will make sure that these things are protected.

Renters in Ohio should contact Insurance PLus Agencies for more information on renters insurance and a FREE QUOTE.
Please stop in (across from the Courthouse or visit our virtual insurance office
( today!  Or Call 740-992-6677

Posted 1:30 PM

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