It doesn’t matter if you rent a small studio apartment or a spacious single-family home: renters insurance Houston is essential to protect your belongings. There are many affordable policies that will cover losses from fire, natural disaster, theft and vandalism. Here are some reasons why every renter should obtain renters insurance.
Many people think that their possessions are covered by their landlord’s insurance policy, but this is not true. The landlord’s insurance policy typically only covers damage to the physical property, not the items inside the home. In the event you are a victim of a robbery, fire or other incident, holding renters insurance Houston will protect you from any financial loss. The monthly premium is minimal compared to the replacement cost of your belongings. Your TV alone is probably worth the cost of insuring.
Renters insurance covers everything in your home. Too often, people don’t think their belongings are valuable enough to justify the cost of an insurance policy, even though they are so affordable. If you take a look around your home, however, you will quickly see just how much you’ve got to lose. Clothing, cookware, furniture, appliances, computers, iPods, bikes, jewelry and more are all covered in the event that they are damaged or stolen.
Another reason to purchase renters insurance Houston is for liability. If someone is injured in the apartment, trailer, condo or home you are renting, this type of insurance policy will protect your interests. Typically, if someone injures themselves outside of your dwelling, the landlord is responsible. If one of your guests—or even a service technician—is hurt while inside the unit, however, you can be held liable. Whether they trip over a pet or an armoire falls on them, you can be sued for any bodily injuries sustained inside. If necessary, some policies even pay for your legal defense in these circumstances.
Some renters insurance includes thefts and hazards beyond those that occur in your home. For added protection be sure to inquire if the policy includes coverage for possessions in your automobile or even while you are on vacation.
There are many reasons to purchase renters insurance Houston. Most people don’t have enough money to replace all of their belongings in the event of a natural disaster or a robbery and lawsuits can destroy your financial situation for the rest of your life. For a small amount of money each month, you can be assured that your belongings are protected.
