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renters insurance

Renters Insurance

Renters insurance is very similar to that of home-owners insurance except the fact that it does not cover the structure. It usually covers the tenants’ possessions and maybe some small alterations that the tenants may have done to the buildings. Some tenants often think that the landlord's insurance will cover their personal belongings. But, in reality, this is not the case as most landowners’ insurance policies cover only the buildings.

The Importance of Renters Insurance

Some renters may consider renters insurance an unnecessary expense. But if some unexpected disaster happens, they should know that it could cost a lot more in the long term.

For example, if there is a guest in your house and if they slip and fall or even get bitten by your pet dog, you will be liable for this. If you do not have any insurance then you will have to pay for all the medical expenses. However, do not assume that you and your family will be covered by the same insurance policy. When you choose an insurance policy that will cover such incidents, make sure it will also cover you and your family members.

If the property you are living in as a tenant gets burgled, the landlord's insurance policy will not cover your personal possessions. But if you have a tenants insurance that covers theft, you will be financially protected in such situation.

Natural disasters may happen anytime and in that case, the landlord may repair the damages happened to the property. But your personal possessions will not be covered at all. Having a renters assurance will ensure that your personal belongings will be covered and you will also be able to replace your valuable items.

Fires, especially if caused by electrical faults may or may not be covered by the landlord's policy. In fact, in most cases, it will depend on what the fine print states on your lease. So, if it is not covered, you will be liable for the fire and smoke damage to the building and if it has spread to other dwellings, you will be liable for that as well.

There are some damages that may be caused by you accidentally, like breaking a window, damaging goods that have not been secured properly or overflowing water from forgotten taps. You will have to fix yourself any damage caused by such mishaps; but if you have a renters insurance, you will be free of bearing the costs yourself.

Even if you think that your private possessions are not worth insuring and the possibility of someone getting injured while visiting your place is very slim, you could still be in a situation whereby the property may get damaged, making it inhabitable in worst case scenarios. But by having renters insurance, you can be covered for extra living costs, such as hotel bills, extra renting bills and even restaurant meals. However, double check you policy to see what is actually covered.

Why Should You Buy Your Insurance from Us?

Our friendly staff is there to assist you in getting the best insurance plan that will suit your specific situation. If you need insurance related information, we will be able to advise you on which insurance policy you should have to be covered for any personal loss and other damages that may happen from fires and natural disasters. We have the best policies available that are suitable for everyone’s pockets, so you will not have to worry about any unfortunate loss that you might suffer from.

When you embark on a lease, make sure that you read through the fine print very carefully and you know exactly what the landlord is liable for. It is also important to note that there are lots of properties that make it compulsory for the tenant to have a renter’s insurance policy before they are allowed to rent the building. An insurance policy might seem expensive, but it could save you a lot of money by having a cost-effective renting policy.

Renters Insurance Quotes

Get your renters insurance quote here for Wisconsin & Texas.

from $12 a month

Company information

Renters Insurance Agency
Frank Medina Insurance

Wisconsin
342 N Water St Ste 600
Milwaukee, WI 53202
(414) 877-0777

Texas
3663 N Sam Houston Pkwy E Ste 600
Houston, TX 77032
(713) 955-2559

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Hours of business

Monday - Friday

9:00 am to 5:00 pm

Closed Saturday and Sunday