As a renter in Columbia, SC, you may not think that you need insurance. After all, your landlord probably has insurance to cover the building. However, that policy only covers the structure itself—not your belongings inside. That’s where renter’s insurance comes into play.
What is Renter’s Insurance?
Renter’s insurance is a type of property insurance that helps protect your belongings in the event of a fire, theft, or another covered disaster. The policy will typically cover the cost of replacing your belongings up to a specific limit.
Why You Need Renter’s Insurance
If you live in an apartment or house you don’t own, renter’s insurance is essential. Even if you live with roommates who each have their own policies, it’s still a good idea for you to get your own policy.
Your New American Insurance agent in Columbia, SC can help you find the best policy for your needs and budget.
It Covers Your Valuables
Your landlord’s insurance policy covers the building but not your belongings inside. If there’s a fire or break-in, you could be left with nothing. Renter’s insurance can help replace your belongings if they are lost, stolen, or damaged in a covered disaster.
It Protects You From Liability
If someone is injured in your home, renter’s insurance can help protect you from liability. It can also help cover legal costs if you need to defend yourself in court. These expenses can add up, so it’s vital to have protection.
It Can Help If You’re Displaced
If your home is damaged or destroyed and you can’t live there, renter’s insurance can help pay for your temporary housing expenses. This can be a lifesaver if you’re displaced for an extended period.
Contact Us Today
To learn more about renter’s insurance and how it can protect you and your belongings, contact New American Insurance in Columbia, SC.