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Protect Your Belongings with Renters Insurance

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.

Top Benefits of South Carolina Renters Insurance

A lot of people think that renting carries less risk than owning a home, but it doesn’t. When you are renting an apartment or home in South Carolina, you have the same property concerns and safety risks as anybody else.

At New American Insurance, we want all Columbia, SC renters to feel secure in their homes. Understand the top benefits of South Carolina renters insurance before you make your purchase.

Contents Coverage

The number one benefit of having renters insurance is having your content coverage. Take an inventory of your contents, and then calculate the value of that property.

Can you afford to replace multiple items on that list? That is where the benefit of content coverage comes in.

Contents coverage also covers you when you are away from home. If your laptop gets stolen when you are traveling, your renter’s insurance will cover it.

Financial Protection From Dog Bites, Slip and Falls, and Lawsuits

South Carolina renters insurance can also help you when it comes to lawsuits. This is called liability insurance. If an accident of any kind happens in your home, you hold the liability for that.

Renters insurance will help you to pay for legal expenses and medical costs in the event that an accident happens, and someone pushes you for costs or damages to recover.

Flood, Fire, and Vandalism

There are other risks to being a renter. When you are a renter, your landlord is obliged to have insurance on the main parts of your building or home. What happens inside is your responsibility. 

Flood insurance is a separate ballgame for both renters and homeowners. That is something you can always add to your renter’s insurance bundle though.

Get a Quote

At New American Insurance, we want Columbia, SC residents to feel secure in the homes they are renting. These are just a few of the benefits that you can get with renters insurance. Call us today for a quote.

Important Facts Regarding Renters Insurance

New American Insurance offers coverage to Columbia, SC residents. We are proud to serve the community as an independent insurance agency. This allows us to offer our clients flexible policies designed to meet their individual needs. We have strong relationships with multiple carriers throughout the South. One of our core values is offering great customer service.

Important Facts Regarding Renters Insurance

South Carolina is home to attractive rental properties. If you are a renter, the fact that there is less maintenance involved with renting than owning a home may appeal to you. However, you need to keep in mind that your personal items need protection if something happens. That’s why renters insurance is an asset. You’ll be covered if your personal items are stolen or damaged. Here are some other important facts regarding renters insurance.

Liability Coverage Is Important

Liability coverage is a big part of your renter’s insurance policy. If you invite guests over, and they get injured or cause damage to other people’s property, you will be held responsible. Liability coverage will protect your assets if a legal dispute arises.

Take Inventory

It’s important that you take inventory of your personal items inside the rental property. That way, you’ll have a clear idea of your items’ true value if something happens.

Temporary Lodging

If your rental property is seriously damaged, you can add temporary lodging coverage to your policy. This allows you to stay somewhere else when your rental property is repaired.

You’ll Have To Add Extra Coverage For Natural Disasters.

If a hurricane or tornado moves through the area and damages your rental property, you are not protected unless you add extra coverage to your policy.

New American Insurance Will Help You Find Coverage

Visit our website to learn more information about renters insurance.

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