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The Importance of Renters Insurance

apartmentMany students are venturing to college for the first time and may choose off-campus housing. Or, maybe you have just finished college and are looking for your first apartment. Regardless of the situation, it would be best if you considered purchasing rental insurance. Many people do not realize that renters insurance features both reasonable yearly premiums and immense benefits to renters who buy it.


What are some of these benefits?

First, renters insurance can cover you in case of accidental damage to your rental property. While the landlord’s insurance often covers structural damage to their property, a renter is usually responsible for the costs if the accident is their fault (for example, a flood caused by the bathtub running over or a fire during a cooking accident). Renters insurance may also be able to provide you with temporary housing while repairs are done to the structural damage.


Renters insurance can also protect you if someone is injured at your home. Household accidents happen every day – between 5 and 10 million Americans are injured in their home every year. If someone is hurt on your property, you could be sued for liability – renters insurance can protect against this.


Finally, renters insurance can protect your personal belongings. Going back to the example of a cooking fire, some of your kitchen appliances or other personal belongings could also be damaged in the fire. With renters insurance, everything from electronics to clothing could be covered by damages caused by theft, vandalism, fire, and more.


To learn more about your options for Orlando renters insurance, contact Lock Insurance today for a free quote or call 877-709-8101.

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