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Renters Insurance Policies
Renters insurance is for tenants renting an apartment, condo, or home. It typically provides coverage for your belongings from damages such as fire, vandalism, theft, and some weather-related incidents as well. It also protects you financially if a visitor to your home gets injured and takes legal action.
Renters insurance also covers all of your personal property against damage or theft (subject to the limits and deductibles you select). Your property can be covered even if it is not located in the place you reside in the case of an incident (for example, a laptop getting stolen out of your car). Whether you are between homes, just starting out, or moving, Millstone Insurance can help you tailor a renters insurance that will fit your needs.
Renters Insurance Coverages:
Personal Property – This coverage helps protect items such as furniture, clothing, and appliances that are damaged in a covered event.
Personal Liability – There are two ways this coverage helps to protect you. First, it helps cover you when you are at fault for bodily injury or property damage of someone else (up to your policy limits). It also helps pay expenses associated with your legal defense in a liability claim when someone is injured in your apartment or other residence.
Property Damage to Others – Renters insurance can help cover expenses when you accidentally damage or break property that doesn’t belong to you.
Loss of Use – This coverage helps pay your extra living expenses up to policy limits if you cannot live in your rental property due to a covered loss.