SPECIAL ARTICLE BROUGHT TO YOU BY HEINER’S INSURANCE CENTER

By: Addie A. – Acuity

Nobody wants unexpected expenses. So how can you plan for these expenses such as damages to something you own or injuries to others? Have a home or renters insurance policy! Listed below are some examples of how renters insurance could protect you.

• You decide to take that vacation you’ve been saving up for, only to have your luggage stolen at the hotel after you get there. A renters insurance policy provides coverage for your belongings anywhere in the world.
• You are having friends over for dinner at your new apartment and someone trips in the living room and breaks an arm. Renters insurance will help pay for a guest’s medical expenses.
• If your neighbor has a fire and the resulting smoke damages your stuff, renters insurance has you covered. Coverage for your personal property will help you pay to replace the damaged items.
• Severe weather damages your home or apartment building and you must live elsewhere while repairs are being made. While you would not be responsible for damage to the structure as a renter, your landlord is not responsible for damage to the personal property inside your unit. Renters insurance can also help pay for additional living expenses, such as a hotel, when you are displaced.

Remember, the insurance your landlord has on the apartment building you live in does not cover you or your belongings. Insurance for your personal items is your responsibility.

To learn more, talk to your independent agent today.