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Renters often do not consider the importance of having a personal property insurance policy for protecting their belongings. If you are renting a home or apartment, you need to be aware that the property owner’s insurance does not protect you. As your independent insurance agent for the Burlington, Graham and Mebane, North Carolina area, we want renters to understand why they should consider this type of policy.
Renter’s insurance
A property owner’s policy protects the owner from loss due to fire, storm or vandalism damages. These policies normally provide liability coverage but do not protect the belongings of any tenants in the dwelling. You need your own personal property insurance to cover your furniture, clothing, electronics, jewelry and other possessions if damage occurs from covered events.
Covered events normally include fire and smoke damage, as well as wind and water damage. While Alamance and Orange County are inland enough to avoid hurricane damage, storms may still be a source of numerous problems. Earthquake or flood damage is not covered on basic policies. We can help you determine if flood coverage would be desirable.
Additional protection with your policy
You get additional benefits from your renter’s policy. Coverage is provided for theft of your possessions. Liability coverage protects you if a guest is injured at your residence. If the property you are renting becomes unlivable due to a disaster, your policy can cover your temporary living expenses.
Personal property protection is available for replacement or actual cash value of your property. If you have high-value collections, including fine art or jewelry, you may need additional protection. As an independent agent for Burlington, North Carolina and the surrounding areas, we can help you find the renter’s policy that best meets your needs.