Millions of Americans rent their primary residences, and whether you rent a home, apartment, or condo, your personal property is not automatically covered under your landlord's insurance policy, leaving you vulnerable to damages caused by weather, burglaries, vandalism, and a variety of other named perils. Renters insurance policies provide contents coverage so that you don't have to suffer through the hassle of replacing your most valuable items.
What does it cover?
Renters insurance covers you for damage to your personal property inside the home you are renting. It also provides a limited amount of liability and medical payments coverage in the event that a guest suffers injury or damage to their personal property while in your home. Similar to homeowners insurance, renters insurance covers damages caused by weather-related causes, theft, vandalism, fire, and other named perils. Also similar to homeowners insurance, flood coverage is not automatically included as part of a renters policy, and must be purchased separately. Additionally, certain high-value items are not included within the contents coverage limit. These items can be added to your policy as an endorsement under a valuable article insurance policy.
Renters insurance in Texas and California is inexpensive and is an excellent coverage to carry to ensure your belongings are properly safeguarded. Our staff makes the process simple and quick and will provide you with a policy that suits your specific needs.
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