Top Reasons To Purchase Renter’s Insurance

Posted on: October 23, 2018, by :

When you rent or own a home, it is important to have insurance to protect your belongings. If you rent a home or apartment, the landlord has insurance for the property and building itself. It will not cover the loss of any of your belongings, even if the loss is due to a fire, bad weather or theft. No matter the cause of the loss, you are liable for replacement. If you have expensive belongings, you should consider purchasing renter’s insurance. You can obtain many insurance quotes Lodi CA online from providers such as the one found at Below are some great reasons to make the decision to buy renter’s insurance.

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Many people are hesitant to purchase renter’s insurance because of the cost. Your actual cost is going to be based on a variety of factors including the amount of coverage you want, the deductible amount you choose and what you want to be covered under the policy.

Covers Loss To Personal Property

There are many things that renter’s insurance will cover. Electronics, clothes, furniture, jewelry and other belongings can all be covered under one policy. For renters who don’t own a lot of belongings and think that insurance will be a waste of money, they might be surprised just how quickly the cost of replacing even a small amount of belongings can add up.

Liability Coverage

This is an important reason to consider getting renter’s insurance. While it may be costly to replace your damaged or stolen belongings, it can be more expensive to pay court judgments if someone gets hurt in your home and decides to sue you. In this case, the insurance would help cover your legal costs and pay any court judgments.

Renter’s insurance is not just to cover your expensive furniture and other belongings, it is a way to have total peace of mind in your home. The insurance can also cover your belongings when you take them out of your home on vacation or if you choose to travel. When comparing policies, be sure to look at what all is covered.