Renters Insurance

Renters insurance provides you with property insurance and liability insurance when you don't own your own home.  If something goes wrong and your rental home or rental unit is burglarized, or you cause an accident that results in bodily injury to a third party, renter's insurance may cover the claim. The best part?  Renters insurance is more affordable than you think.


What Renters Insurance Covers

Your landlord most likely carries fire insurance on the building or unit you rent.  However, this insurance does not cover your personal items inside the rental. This means your furniture, clothing, TVs, computers, electronics, and other personal property is at risk in the event of a fire, theft, or other unexpected event. When you have renters insurance, however, you can rest easy because it covers more than you may think.   Here is how renters insurance works for you: 


Personal Property Coverage

Imagine if you came home to your apartment and found out that the neighbor next door had started a fire while cooking; however, the fire didn’t stay next door and spread to your apartment, too. If the fire destroyed your living room furniture, TV, and home entertainment center and the smoke also ruined your clothes, linens, bedspread, and curtains, renters coverage would respond to the loss by covering your ruined property.

With renters insurance, you don’t have to pay out of your own pocket to replace your belongings in the event of a covered loss. You also may not need to pay for a hotel room while the damage to your apartment is being repaired.

Fires aren’t the only risk you face as a renter. Your computer, jewelry, and electronics could be stolen in a break-in. Personal property coverage in the renters policy can help you replace your belongings if they are damaged, destroyed, or stolen.

Liability for Injuries

What would happen if a guest at your home was hurt, or someone visiting you at your home trips and the falls resulting in a back injury? With renters insurance, you get liability coverage that may protect you from these types of lawsuits and much more. 

Renters insurance is an affordable solution to protect your belongings from fires, water damage, smoke damage, theft, and other perils. It can also protect your assets, saving you from the high costs of lawsuits or medical bills if an accident happens at your home.

Beach & O’Neill Insurance Associates has a wide variety of renters insurance products available so you can get the protection you need at the price you can afford. We are dedicated to providing the best insurance solutions for your individual needs, from renters insurance to auto insurance, health coverage, and more.  Contact our office to see how we can help you cover your personal insurance needs.