When you are a renter, it’s important to give yourself the protection you need for your home. You don’t need home insurance to protect your dwelling as a renter. The owner of the property does that. Your responsibility is to have renters’ insurance that covers your belongings for various situations. In most cases, you are required to have renters’ insurance by your landlord. Many property owners require it to protect you against possible risks of liability and lost property. Call us at Luebbering Insurance Agency LLC in Jefferson City, MO if you need this coverage.

Protection Against Possession Loss

When you rent, your main assets are likely all of your items that are inside the home. Your possessions combined represent a significant investment. To protect that investment, there is renters’ insurance. Coverage protects your belongings and protects them against a wide range of risks they face. From specific disasters to accidents, your property can all be protected by this policy. If something happens to what you own, your policy can pay for you to be able to replace what you lost. 

Protect Yourself Against Liability

If you have someone in your home who is at risk of falls or has an accident, they are at risk of injury. When a third party is injured while in your home, you are likely to be liable for the expenses they incur from the accident. This can include costs like their lost wages as well as medical bills. Renters’ insurance can pay for these bills so that you won’t have to. 

Get Your Renters’ Policy

It’s important to have this coverage to protect yourself when you rent. Call us at Luebbering Insurance Agency LLC in Jefferson City, MO to get started.