Renters' Insurance

Johnson City Renters' Insurance

Do You Need Renters' Insurance?

Are you completely covered by your landlord’s insurance? Probably not. To be fully protected from fire, theft, or other accidents in your rented properties, you will need Johnson City renters’ insurance. According to recent estimates, nearly two-thirds of the 81 million people who rent their homes are uninsured for their contents or any liability arising out of their tenancy. Don’t be a statistic – get covered today!

With Johnson City renters’ insurance, you will have coverage for stolen or damage property in your rented home or apartment. Your landlord’s insurance will typically only cover the physical building in which you reside, with little to no coverage for any of your personal property. Oftentimes, landlords even require their tenants to purchase renters insurance before renting a property from them.

Johnson City renters’ insurance will not only protect your personal property, but it will also temporarily protect anyone on your property, and help protect you in case of a liability lawsuit against you. Some cases in which you could be protected in the case of a lawsuit by your renters’ insurance are:

  • Injury to another person on your property
  • Damage to another person’s property (whether the incident occurred within your rented residence or elsewhere)

    So now you’ve decided you need renters insurance. Next, you have to choose a policy to best fit your needs.

What Is Typically Covered In Renters' Insurance?

What would it cost to replace everything you own? If you came home from work today and your entire apartment burned down, would you be able to replace all your belongings? Would you have a place to stay? Would you even know where to begin? If you are covered by renters’ insurance, you can say yes to all of the above.

Renters’ insurance can cover virtually all of your possessions. Most policies provide coverage for electronic goods and equipment, small appliances, sports equipment, cameras and photography equipment, furniture, clothing, glassware and china, and books. Items such as computers, jewelry, furs, watercraft, and firearms can also be covered with extended protection. Your renters’ insurance policy will include:

  • Personal property protection
  • Family liability protection
  • Guest medical protection
  • Additional living expenses
Get a Johnson City Renters' Insurance Quote Today!

A 2006 poll conducted by the Insurance Research Council found that only 43% of renters nationwide had insurance – don’t be left without coverage. To tailor a renters’ insurance policy that’s right for you today, call us at (423) 292-4142, or click on “Get a Quote”. If you have any questions about Johnson City home insurance or renters’ insurance, call us today! You can also download our free eBook on saving money on your home insurance policy.