If you rent your home, it’s vital that you have renters’ insurance for your own protection. Many landlords require you to have this to rent the home, but even when they don’t require it, it’s important coverage to have. If you need renters’ insurance, call us at Maple Mountain Insurance Services in Mapleton, UT.
Covering Your Belongings
When you get renters’ insurance, the main coverage you get from the policy is for all of your belongings that are kept there. The insurance doesn’t cover the dwelling itself, as your landlord is supposed to have that insurance coverage. It’s best to document the possessions that you have for insurance purposes. Take photos of each room so that you can prove to your insurance carrier what you owned and kept in your residence.
The other main coverage that these policies offer is liability insurance. It can pay medical bills for an accident or similar incident that happens to a third party in your rented home. Depending on your contract, it may cover other incidents as well. Make sure that you know which coverage you have and what would be covered by the liability coverage.
Loss of Housing
Another important coverage is the loss of a habitable home. If your rented home were to be rendered uninhabitable, the insurance would pay for your living expenses as you move elsewhere. There are many instances that can render a home in this condition, and having this coverage in place can save you from going without a home if the worst were to happen.
Get Your Renters’ Insurance
If you rent your home and aren’t insured, call us at Maple Mountain Insurance Services in Mapleton, UT to talk with an agent about this coverage.