Why You Need Renters Insurance

Not really sure why you would need renters insurance? Many renters are surprised to find out their apartment complex's insurance only covers structural damage to the building. That means if you don't have renters insurance, any damage to your personal belongings will not be covered. That's why all renters should get renters insurance. Policies vary, but many cover direct physical loss to personal property if damaged by:

• Fire
• Lightning
• Windstorm
• Hail
• Riot or civil commotion
• Smoke
• Vandalism or malicious mischief
• Theft
• Falling objects
• Weight of ice, snow or sleet
• Accidental discharge or overflow of water or steam
• Sudden accidental tearing, cracking or burning of certain appliances or water heating systems
• Freezing of certain systems or appliances
• Sudden and accidental damage from artificially generated electric current
• Volcanic eruption

Renters insurance covers a variety of dangers that are impossible to predict. You can protect yourself and your possessions with the right renters insurance policy!