When you rent a property, whether it is an apartment or a single-family home, your landlord will typically require you to maintain renters insurance for the duration of your lease. Although the owner of the property will have their own insurance policy, it will typically only cover the structure of the property itself. Even if your landlord doesn't require you to have renters insurance, it is still a smart choice, if only for your own protection.
Renters insurance is typically broken down into two primary categories:
If you choose to add extra coverage for your valuables, you'll typically need to have the item appraised to verify its value or have a receipt to prove the purchase price. The cost for your coverage will increase along with the value of the item, so you'll need to weigh your options in this category carefully.
When you are ready to find out more about renters insurance, the specialists here at Lang Insurance will be more than happy to assist you. We'll work closely with you to ensure you are meeting your landlord's requirements, as well as any additional legal requirements in your state. We'll also help you evaluate your various coverage options to determine what additional coverage, if any, you might need.
We are always happy to answer any questions you might have about renters insurance and any of the many other insurance policies we offer. Reach out to our team today for more information, or fill out our convenient online contact form to request a free, no-obligation price quote for the coverage you need. For even faster service, call us at 636-229-7000 to get started.