What Does Renters Insurance Cover?

Renters insurance covers possessions and this may include clothes, furniture, electronics, and other household items. It also covers your personal belongings when they are away from the home or in transit to another location. 

Many policies also offer coverage for your rental unit in the event of a fire or other disaster. For expert insurance advice in the greater Hanover, PA community, consult with Weber Insurance. 

Renters Insurance: What You Need To Know

The Renters insurance also covers your belongings if an accident occurs at the property such as a broken window or plumbing issue. It may also cover your belongings if there is a covered loss due to a natural disaster or something as simple as a guest damaging property. 

Finally, some policies may also cover your belongings if they are destroyed due to vandalism. The coverage varies by provider, so make sure to compare different options to find one that fits your needs best. Renters insurance may also cover your home if you’re a renter and the property is damaged by a covered peril. It typically costs about $30 per month. 

Renters insurance does not cover any of your landlord’s property or your landlord’s liability. If you are renting a house or condo, and it floods or burns down, renters insurance will not cover the damage to the building itself; it will only cover the damage to your belongings inside. 

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You should always have renter’s insurance if you are renting a house or condo because it is very likely that something will happen to the place where you live and could cause major property damage. 

It may also cover liability if you are in a residential building and cause damage to the structure. Some policies also cover your possessions if they are lost or damaged in an occurrence other than a covered loss. For professional help, call us today at Weber Insurance in Hanover PA.