The landlord of your home or apartment has insurance, but it likely only covers the building, not your belongings or even your liability for accidents on the property. What happens if your belongings are stolen in a burglary or damaged by fire or weather? If you have renters insurance, you can recover the value of your belongings, while also enjoying protection if you are sued for liability following an accident.
If you rent a home or apartment, insurance is still important to protect you and your belongings. Renters insurance works like homeowners insurance, protecting you if you face a fire, theft, water damage or other situations.
Renters insurance can provide coverage for:
Your policy can cover you against many unforeseen circumstances, such as:
Before you request a quote for renters insurance, it is a good idea to inventory your property and determine the value of your electronics, computers, clothing, furniture, jewelry and more. Once you know what your belongings are worth, you know how much renters insurance coverage you will need.
You may also want to add optional coverage options such as:
Did you know you can even get discounts on your renters insurance, just as you would with homeowners insurance? Our carriers offer many discounts to make renters insurance even more affordable, including discounts for interior sprinkler systems, staff that watches who enters and leaves the building, smoke alarms and burglar alarms. You can also get discounts for having a claim-free history and having multiple insurance products from the same carrier.
Your landlord's insurance will not cover your valuables. Renters insurance, also called an HO4 policy, will give you the financial protection you need if your belongings are stolen or destroyed while giving you liability protection. Stop living each day hoping that something does not happen; get the coverage you need now. Contact Pipeline Insurance Services for free quotes on renters insurance from top-rated carriers so you can sleep easy knowing you are covered.