Renters Insurance

As a renter, it’s critical to have adequate insurance coverage to protect your personal belongings and provide financial assistance if you are responsible for a third party’s property damage or bodily injury.  

What Does Renters Insurance Cover? 

 

Renters insurance is necessary to help cover your personal property in case of a covered incident. Your landlord’s insurance usually will not cover your belongings, so you would generally be responsible for covering the cost of any losses out of pocket.  

Renters insurance typically includes three main types of coverage, including the following: 

• Coverage for personal possessions can help cover your personal belongings, such as clothes, furniture, electronics and other items, from covered losses.
• Liability protection may help cover medical costs and legal fees if someone is injured in your rented home or if you are otherwise responsible for their property damage or bodily injuries.
• Additional living expenses may help pay for another place to live temporarily if your rental home is damaged and uninhabitable due to a covered event.  

Some perils that cause loss that may be covered by renters insurance include: 

• Theft
• Fire
• Lightning
• Vandalism
• Damage from a leaky pipe 

Policies may vary depending on your insurer and location (e.g., some areas may need additional coverage to protect against losses due to wildfires), so work with our agents to help you secure the renters insurance that best fits your needs. 

Liability Insurance as a Renter 

 

Liability insurance is a critical piece of a renters insurance policy. Liability insurance may help cover you if you are responsible for injuries to other people or damage to their property by helping to pay for their losses. It may also help pay for associated legal fees if a lawsuit is filed against you.  

The following are a few situations that may be covered by liability insurance: 

• Falls or injuries in your home
• Damage that originates in your home and affects other’s property, such as a grease fire that spreads to a neighboring unit
• Damage to other people’s property that you are at fault for, such as your child throwing a ball through someone else’s window
• Liability related to events hosted at your home 

Comprehensive Renters Insurance in Kerman, CA 

 

If you are interested in a comprehensive renters insurance policy, contact Reynolds Insurance Services. Our team is committed to working with you to design a policy that helps ensure you get the options you want at a price you can afford.