How Renters’ Insurance Works

If you rent your home, you are likely required by your landlord to have a renters’ insurance policy. However, if it isn’t required, it’s still a smart idea to have one of these policies in place. If you need a renters’ policy, give us a call today at Bingham Insurance Group in Braselton, GA.

Renters’ Coverage

When you rent your home, you are not responsible for insuring the actual dwelling itself. The landlord owns it and must keep it insured. So, what does renters’ insurance cover? One of the main ways that it protects you is by insuring your things. These policies cover your personal belongings that are inside your rental. If the worst should happen and a major accident or disaster should ruin your things, your insurance policy will help you to start replacing your possessions. 

Liability Protection

Another way that your renters’ policy protects you is by covering your liability for injuries and illnesses that happen in your home. If a guest were to get sick or have an accident while in your home, you could be liable for paying all of the resulting medical bills yourself. If you have liability protection, the policy pays for those instead of you being sued for them. 

Other Coverage

There is still another way that renters’ insurance can protect you. It carries a type of coverage that protects you against having to stay in a home that is uninhabitable. If something were to damage your rental and it became unlivable, your renters’ policy would pay for you to stay somewhere else until your home is made livable again. 

Get Your Renters’ Policy

If you rent and need renters’ coverage, call us right away at Bingham Insurance Group in Braselton, GA to find out more. We can help you to understand how renters’ insurance protects you and help you choose the best policy for you.