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Renters Insurance

from Lang Insurance

Renters Insurance

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. 

About Renters Insurance Coverage 

Renters insurance is typically broken down into two primary categories: 

  • Liability Insurance - Liability coverage will protect you if someone, like a guest or door-to-door salesperson, is injured while on the property. It will pay for any medical expenses they incur so that you don't have to foot the bill yourself, potentially causing you serious financial hardship. 
  • Personal Property Insurance - This aspect of your coverage will pay for any damage to your belongings, including furniture, clothing, and other personal items. If you have anything that is especially valuable, like fine jewelry, art, or antiques, a standard renters policy typically won't cover it. You'll need additional coverage for high-value items. 

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. 

Learn More about Renters Insurance 

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.