What Does Renters Insurance Cover?

Renters insurance can offer financial protection for your personal belongings against unexpected events like theft or damage. While your landlord’s insurance may cover the building, renters insurance can cover your personal property and liability.

Personal Property Coverage

Renters insurance may include personal property coverage, which can help cover your belongings like furniture, electronics, clothing and other personal items from risks such as theft, fire and vandalism. If your possessions are damaged or stolen, renters insurance can help pay to replace them.

Liability Coverage

Liability coverage is an integral part of renters insurance. It can provide financial protection if you’re deemed responsible for injuring someone or damaging their property. For instance, if a guest gets hurt in your home or you accidentally damage a neighbor’s property, liability coverage can help pay for legal fees and medical bills.

Additional Living Expenses

Renters insurance can help cover extra costs if your home becomes unlivable due to events such as a fire or severe storm. This coverage can pay for temporary housing, meals and other essential expenses while your home is being fixed.

Medical Payments Coverage

Medical payments coverage can help cover medical expenses if someone gets injured on your rental property, no matter who is at fault. This can include costs for ambulance rides, hospital stays and other medical treatments.

Choose Your Trusted Insurance Partner in Liberty, Texas

Poole Insurance Agency offers personalized service and robust coverage options to help you find appropriate renters insurance. Contact us today for a quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.