Renter’s insurance protects people who rent homes or apartments. It helps cover their property in the event it’s damaged. Wine Valley Insurance Services, serving Napa, CA and the surrounding region, helps people determine if they need renter’s insurance and how much of it they need.
Landlord Might Require It
Some landlords may require you to have renter’s insurance. Although landlords have insurance that protects their home’s structure and the property, their insurance does nothing to protect your belongings if something should happen. Landlords require it, so they don’t have any obligations to you. In some cases, a landlord’s insurance company may require any tenants of the building to have renter’s insurance.
Affording the Replacement of Your Stuff
Assess how much your stuff costs. Now, you have to think about how much you have in savings to replace your belongings. If you don’t have enough to cover everything you need, you could find yourself not having furniture and other items until you can save up for it.
Discuss Liability Insurance
You have to take into consideration if someone gets hurt on your property. Although you don’t own it, you do have to make sure it’s safe for other people to venture on. Therefore, you should discuss with an agent if renter’s insurance covers liability for you as well as people who visit your residence.
Extras
Although insurance policies aren’t all the same, they often include added insurance benefits outside of covering your property and for liability. It’s important to inquire because some policies will cover your belongings when you travel with them.
Get a quote for renter’s insurance and discover if you could benefit from it by contacting Wine Valley Insurance Services, serving Napa, CA and the surrounding region, by calling us at 707-226-8604.
