Renters Insurance: Securing Your Personal Property

Being a renter it might not cross your mind to get renters insurance. But, it is highly important to equip your valuable belongings with protection from potential risks.

Regardless if you live in a suburban rental condo or in downtown Columbia SC,, the importance of insurance for renters remains the same. Frequently, people believe they will be covered under their landlord's insurance policy. Nevertheless, this is a common misconception.

The landlord’s insurance policy usually covers the structure of the building and any fixed appliances. But, it neglects to cover any personal belongings of the tenant in case they were read more damaged or stolen.

In other words, should your possessions suffer loss or damage in an event like a fire, flood or break-in, the cost of replacing those items will be on you, unless you have insurance for renters.

Getting coverage for renters could also ensure protection from liability claims. For example, if a guest gets hurt while visiting your rented home and decides to sue, you can lean on your renters insurance for help with legal fees and potential claims.

To sum up, the protective benefits of renters insurance are significant for renters, and is an investment worth considering. Whether you rent in Columbia SC’s downtown or in its suburbs, it is wise to secure your assets with a reliable renters insurance.