Your landlord’s property insurance won’t help you if disaster strikes. It covers the structure, but not any of your things. Renters insurance covers your belongings from all the possible bad events that are listed in the policy, such as fire, smoke, water damage, windstorms, lightning, theft and vandalism.
Do You Really Need Renter’s Insurance?
Here are just some of the things that renter’s insurance covers for you in the case of an accident, emergency, or disaster. Even just one of these things would be enough to cover the cost of most renter’s insurance policies so it is something to consider for yourself and your family!
Coverage of Hotel Costs During Repairs
After a disaster there is a calm moment where you realize that everything is changed, even if only temporarily. In those moments wouldn’t it be nice to know that you won’t be out on the street. Most renter’s insurance policies cover the cost of a hotel while your apartment or building is repaired or replaced.
Medical Expenses for Injured Guests
In the case of an accident where someone is injured renter’s insurance helps cover any costs you might incur without it. It allows your injured guests to get the care they need without you having to worry about how to pay for their care!
Cover the Damages Your Kids Cause at Neighbors Apartments
Do you have rowdy kids? Do you have kids who are well behaved? In either case there is a good chance that an accident will happen. Even if that accident happens at another apartment your renter’s insurance will likely cover the costs so that you don’t have to pay out of pocket for damages!
Legal Costs
If a disaster happens in your apartment and there are legal costs your renter’s insurance policy will cover those fees so that you are not left trying to figure out how to pay!
Dog Bites
This is a big one for anyone who has pets. Even the most well behaved and mild mannered dogs can bite. Dogs bite for a lot of other reasons many of which have nothing to do with aggression. To protect yourself and your dog you should always make sure to have renter’s insurance.
Belongings in Your Vehicle
Renter’s insurance even covers your vehicle in the lot! If someone hits your car and damages your items, steals from you, or otherwise causes damages to your property inside of your vehicle your renter’s insurance will be able to help cover the costs of replacing your things! That can be a huge relief especially since you are missing out on items you likely already had to pay for once!
Excited about finding an apartment in San Antonio so you can get renter’s insurance?
