Even if you don't own the building you live in, you still need to insure your personal property. Gateway Property & Casualty can help.
Renters insurance helps replace or repair your property after loss due to theft or damage. It also provides coverage in the event of an accident at your home. This coverage is very affordable. The monthly premium for most renters' insurance policies varies per month, depending on where you live, the size of your rental unit, and the value of your possessions.
Your landlord's property insurance does not cover your belongings, only the structure.
Take an inventory of your personal property. It would cost hundreds or even thousands to replace the costly electronics you own – laptops, tablets, smart TVs, smartphones, smartwatches, gaming systems, etc. What about all your clothes, shoes, furniture, and other property? It would be almost impossible to replace these things easily without a renters' policy.
If you are a dog owner, you would be responsible for medical bills if Fido bit a visitor. What if that individual sued you? Do you have the means to cover the costs? Even if someone tripped and fell inside your apartment, their injury would be paid for.
During repairs of your apartment or rental home, if it becomes uninhabitable, renters’ insurance will include coverage for the additional expenses you will incur, such as hotel, meals for dining out, etc.
Don't let your possessions remain unprotected. A renter’s policy can provide peace of mind during theft, fire, or another covered event.
If you want more information about renters’ insurance, contact Gateway Property & Casualty. Receive a no-obligation quote and answers to any questions you may have.
