At South Winn Insurance, we understand that your apartment is filled with personal belongings and memories that you cherish. Our renters insurance policies are designed to provide you with the protection you need to safeguard your possessions and give you peace of mind.
Coverage Options
- Personal Property Coverage: Protects your belongings, including furniture, electronics, and clothing, against theft, damage, or loss.
- Liability Coverage: Protects you in case someone is injured in your rental home and you’re found legally responsible.
- Additional Living Expenses: Covers your increase in living costs for temporary housing and other expenses if your rental home becomes uninhabitable due to a covered loss.
- Medical Payments to Others: Provides coverage for medical expenses if a guest is injured in your rental home.
- Scheduled Personal Property: Offers additional coverage for high-value items such as jewelry, art, and collectibles.
Renters Insurance FAQ
What is covered by Renters Insurance?
Renters Insurance not only covers your possessions but also provides liability coverage if an incident occurs and a person suffers an injury at your rented house or apartment. Along with these important coverages, if an injured person filed a lawsuit (instead of or as well as a claim on your policy) the renter’s policy would cover legal expenses up to the limits you carry on the policy. If a person chooses not to carry a renter’s policy, all of these costs would be a person’s responsibility to pay completely out of their own pocket.
Does my landlord’s policy cover anything?
A common mistake renters make is assuming that their property is covered under the landlord’s policy, which is incorrect. The landlord’s policy covers the building itself but not any of the renter’s possessions that may be inside, and this is where a renter’s policy comes into play. If your apartment or home being rented is destroyed in a fire this policy will help you put the pieces back together. If you suffer a break in and your expensive T.V., jewelry or computers are taken a renter’s policy can help replace them. From clothing to electronics, from furniture to art, from sporting goods to coin collections, a renter’s policy can offer the coverage you need.