Protect Your Personal Belongings
Renters insurance is a low-cost way to protect you and your belongings in a time of need when you rent an apartment, condo or home.
Required or Not, Renters Insurance is a Must
Renters insurance provides peace of mind against the threat of disaster, theft or vandalism. Some landlords and/or apartment complexes require renters insurance, but even if it is not required, Burns Insurance strongly recommends a policy to protect your valuables.
Much like a homeowners policy, Renters insurance provides you coverage protection in 3 major areas:
A renters policy will cover the cost associated with replace your personal belongings, like your furniture, electronics, computer equipment, your clothes and jewelry (up to your policy’s coverage limit) if destroyed, damaged, lost or stolen.
Renters insurance also covers your property when it’s not in your home, like if your laptop is stolen while you’re on vacation.
A renters policy can protect property damage to others. For example, if a broken pipe in your apartment floods your neighbor’s apartment below, your renters insurance policy should cover damages to their property.