Renters Insurance

Johnson City Renters Insurance
Do You Need Renters Insurance?

Are you completely covered by your landlord’s insurance? Probably not. In order to be fully protected from fire, theft, or other accidents in your rented properties, you will need renters insurance. According to recent estimates, nearly two-thirds of the 81 million people who rent their homes are uninsured for their contents or for 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, it will also temporarily protect anyone on your property. Johnson City Renters insurance will 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 had 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 personal 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 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,” and a Veritas expert will provide you with the best possible quote within 24 hours.