When you are a renter, there are many things that you have to take care of. Getting renter’s insurance is a good way to stay in control of your belongings and your living situation. Renter’s insurance protects you in a number of ways, and no renter should be without it. In fact, it’s likely required by your landlord that you have it. If you don’t have your renter’s policy yet, call us at Texas Independent Insurance in Allen, TX to find out more.

Protection for Your Belongings

Most or all of your possessions are in your rental home. That makes it necessary to have protection for them. Renter’s insurance provides that protection and covers everything that’s in your home. If a damaging event should happen to your home and your things are destroyed, your insurance policy could pay for them to be replaced. If you imagine the cost of replacing everything on your own, it’s easy to see how valuable this insurance is. Despite this value, renter’s insurance is generally quite inexpensive.

Protection for You

As a renter, you don’t have to insure the actual home. That’s for the landlord to do. However, you need to be able to keep up your standard of living if a disaster or calamity should happen. Renter’s insurance will pay for you to stay elsewhere if the home is damaged and needs a lot of repair work. This will keep you from having to live in the home as it is. These policies also include liability insurance for your protection. If someone were hurt in your home, the policy could pay for their medical bills instead of you having to pay out of pocket.