Many renters in Spicewood, TX aren’t aware that they can insure their personal belongings in the exact same way as a homeowner. Renters insurance from Whiteside Insurance Agency, LLC is available to almost any renter, regardless of the type of property you are renting, including mobile homes, apartments, single-family homes, and duplexes. Here are just a few of the benefits that come with buying renters insurance.
Medical Help for Injured Guests
One of the lesser known benefits of having renters insurance is that it provides medical coverage for your guests that may get injured while visiting you. For example, if your grandmother comes to visit and falls down the stairs because her shoe gets stuck on the carpet, your renter’s insurance may pay her doctor bills.
Coverage for Stolen, Lost, and/or Fire Damaged Belongings
Unfortunately, mishaps happen. Whether your rental unit is burglarized and your expensive belongings are stolen, such as the television and computer, or there is a fire that destroys everything you own, renters insurance can help replace your lost, stolen, or damaged items. It is important to take a complete inventory of everything you own to submit to the insurance company in case there is an accident or incident.
Assistance With Lawsuits
Another benefit of renters insurance that many renters aren’t aware of is that your rental insurance may provide assistance with lawsuits that may incur from something on the property. For example, if your dog bites the neighbor and they sue you, your attorney will help you fight or negotiate a settlement dependent on your renter’s insurance.
Just because you’re not a homeowner doesn’t mean you have to settle. Renter insurance helps protect you against the risks of theft, fire, and other damages as well as gives you the peace of mind that you’ll be able to replace your belongings. An important note to keep in mind is that renters insurance is fairly inexpensive and there are several things you can do to reduce the premium costs, such as having deadbolt locks and a kitchen fire extinguisher.
Renters in Spicewood, TX and the surrounding areas interested in learning more information about renters insurance should contact Whiteside Insurance Agency, LLC.