Why every renter should have renters insurance

Renters insurance protects renters from some of the many hazards just waiting to happen. If you think that your landlord or management company has insurance that protects you, you are mistaken. They do have insurance, but it is to protect their property, not yours. At TruePoint Insurance in Savannah, GA, we offer our customers more choices and excellent customer service. 

Personal property

Renters insurance protects your personal property. That includes all your clothing and personal items. Furniture, electronics, jewelry, decor, and more. It protects your property when it is at home and when you take it away from home when you travel. If you don’t have this coverage and your rental is damaged, you could have to replace everything you own simultaneously. Imagine not even having a toothbrush or underwear. Just having to replace your Christmas decorations is a major expense. 

Liability coverage

Liability insurance covers you if you get sued, and there is a judgment against you. No one likes to imagine being sued, but it does happen frequently. It could be someone getting injured at your rental or someone having their property damaged by a member of your family. This even applies to your four-legged family members. Not only will liability coverage take care of a judgment, but it can help with legal expenses. 

Loss of use

When a covered peril damages your rental, things like fire or a tornado, you may not be able to stay there until things are repaired. If you have renters insurance with loss of use coverage, it will pay for you to stay in a hotel and for some meals if you can’t cook. 

In Savannah, GA, at TruePoint Insurance, we are independent insurance agents who work to provide our customers with the best renters’ insurance for their needs.