Why You Need Liability Coverage in Your Renter’s Insurance

If you’re a renter, you’re likely required to have renter’s insurance. Virtually all landlords require it, and sometimes, the area you live in also requires it. This type of policy comes with several different kinds of coverage. Each of these gives you protection in a different way. Renter’s insurance is well-known for providing coverage against damage to your belongings, but there are other types of coverage in these policies. There’s no time to wait if you don’t have renter’s insurance yet. Give us a call now at TruePoint Insurance in Pooler, GA.

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Accidents in Your Home

The home you rent is home to your household, but other people will come to visit as well. When someone from outside your household is there and has an accident, you could be liable for all the following bills. When there’s an accident at home, there can be a lot of different bills that are due, and as the renter, you’d be responsible for all of them. The landlord wouldn’t be responsible for these bills since you are renting the home and have taken on responsibility for what goes on there.

Bills From Accidents

When someone does have an accident in your home, the medical bills would be left to you if you didn’t have renter’s insurance. But that’s not the end of the bills. You may also have to pay for their lost wages during their recovery. In addition, they may have legal costs that you’d have to pay for. If they need any ongoing therapies, you’d have to pay for that, too. Never go without this insurance to have a policy to pay these bills.