When you’re renting an apartment, it’s important to have peace of mind that you can afford to recover from certain disasters and covered events. Unexpected things like fires and burglaries happen all the time, and you can’t be sure that you can be safe from these events.
Knowing that you have the protection of renters insurance can make life less stressful. Here’s what you need to know about renters insurance from Capretta Insurance Agency servicing Parma, OH.
What Does Renters Insurance Cover?
Keeping in mind that policies vary, a typical renters insurance policy covers damage to your personal property in the event of a variety of unexpected events such as vandalism, theft, lightning, smoke, explosion or a windstorm. Renters insurance may cover your personal possessions up to a certain amount.
A policy will likely have coverage limits on individual items, with expensive items like jewelry needing special coverage to ensure protection. It’s important to pay attention to the coverage limits when getting a policy to ensure that your policy will cover what you need to be covered.
Renters insurance can also offer personal liability coverage and medical payments to others if there’s bodily injury due to an occurrence. Finally, your policy may also pay for loss of use expenses, meaning if you have to stay in a hotel while waiting for your apartment to be repaired after a covered event, your policy may help with those expenses.
How Can I Get Renters Insurance?
If you think that renters insurance is right for you, you can find out more about getting a renters insurance policy by calling Capretta Insurance Agency servicing Parma, OH. We’ll be happy to help you shop for a policy that fits in your budget and meets your needs.
