Renter’s Insurance is for all renters to ensure that your belongings are covered in the event of fire, theft, water damage, and other circumstances a landlord’s policy may not cover.
You can customize the coverage with limits you select â for specified items and situations including:
- Personal property (furniture, electronics, computers, clothing, etc)
- Personal liability if someone is hurt, whether in your home or away from it
- Damage to your apartment or home caused by a coverage loss
Building fires and damage can happen at anytime, anywhere, but with the proper renters insurance, your property inside the apartment will be covered if itâs affected by any of the following:
- Fire
- Smoke Damage
- Theft
- Collapse of the building due to weather
- Water leakage or overflow
- Freezing of plumbing, air conditioning
- And more
Renters insurance will protect you from incidents that occur while youâre at home too, such as a toaster catching on fire or someone slipping while visiting you. Renters insurance covers your own items as well as other peopleâs injuries or damages in situations for which youâre liable. You canât rely on your landlordâs policy to cover your valuables because landlord policies only cover the building structure.