Renters Insurance

renters insurance to protect your assetsRenters Insurance is a great way to protect your personal property from loss.  It’s designed for people who rent a home or an apartment because it only covers content and no dwelling or building coverage is provided.

Imagine your fire alarm goes off in the middle of the night and you wake up smelling smoke.  You leave the building and help arrives but it’s too late to save your possessions.  Everything you own is either destroyed or smoke damaged.  Your bedroom set and living room furniture, TV and stereo, computer, everything in your kitchen including your dishes, your coffee pot and microwave are all burned and ruined.  What if your clothes including summer and winter, luggage, purses and shoes were all unsalvageable?

Now it’s time to think about starting over and with Replacement Cost Renters Insurance, you have resources to do just that.  But not only will Renters Insurance cover you for fire, it also covers:

  • Theft
  • Vandalism
  • Smoke
  • Accidental discharge of Water or Steam
  • Fire and Lightening
  • Windstorm and Hail
  • Explosion
  • Falling Objects
  • Collapse of Building
  • Vehicles
  • Weight of Ice and Snow
  • Riot or Civil Commotion
  • Aircraft

In addition, there are coverage’s that are important that most people don’t think about until after they have a loss:

  • Additional Living Expense coverage pays for you to stay somewhere else if you can’t stay at your home or place of residence because of an on-going claim.
  • Personal Property Away from Premises covers your items that are damaged while not in your place of residence, such as items in your car.
  • Liability covers bodily injury and property damage if you are liable.
  • Medical Payments coverage pays if someone was injured in your home or apartment.

There is a misconception that this coverage is very expensive but it’s not.  Check with Paula Smith Insurance about Renters Insurance if you are a renter as this protection is very important.

Remember, when you rent, oftentimes there are people above, below, beside and behind you. You can only control how you keep yourself protected and safe but you can’t control how those around you behave within their dwelling.  Keep this in mind and protect yourself and your property from accidents. You will be glad you have renters insurance if you were to ever be in that predicament. Call Paula Smith at (281) 488-8880 for a no-obligation, risk free quote. We are happy to help all of those in Galveston County, from League City, Kemah, Friendswood, San Leon, Dickinson and on. Just call or complete the Get a Quote form on the right side and get on your way to protect you and your family!