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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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