You have a nice apartment in Alliance, Boardman, Canfield, Columbiana, Lisbon, Salem, or the surrounding area, but when you come home you realize that you’ve had things stolen from a break-in. Your landlord’s insurance doesn’t cover you, but if you had renters insurance from Beltempo Insurance, you would have been. Rental insurance isn’t expensive but it is definitely a must because your landlord’s insurance only covers the building and not your personal possessions. Contact us today to be sure that you have the right amount of rental insurance to be covered properly.

What Does Rental Insurance Cover?

For starters, having rental insurance is meant to cover your personal possessions. All of your clothing, the furniture that you have included couches, beds, chairs, and more, as well as the other things that we all have like dishes, pottery, books, televisions, and more. This also extends to any storage areas that you might also have on the premises, which many rental units have. Here you may store seasonal items, such as golf clubs, a mountain bike, hockey gear, or any other number of different things.

Another important aspect of rental insurance is the liability coverage that is part of the policy. While you don’t anticipate anyone getting hurt at your apartment, it can happen. In these cases, liability insurance can help if you get sued for an injury sustained at your place of residence. A final aspect of rental insurance is that it often also covers additional living expenses should your primary residence become uninhabitable due to one of the covered perils, such as a fire. Things like meals, hotel bills, and more may be covered in your rental insurance policy.

What Rental Insurance Does Not Cover

There are certain things that your general rental insurance policy will not cover, though there are options to mitigate these things. Most policies will not cover flooding, earthquakes, or backup of sewage into your residence. In many places, these are not concerns, but if you live in an area where they are more prone to happen, you can secure additional policies that specifically address these concerns.

Additionally, if you happen to have any valuable antiques, high-end electronic equipment, special jewelry, musical instruments, or other extra valuable items, these would not be covered in your standard rental insurance policy. You can get what is called a rider that provides enhanced coverage for these specifically named items in the policy. You know you need to protect your items at your Alliance, Boardman, Canfield, Columbiana, Lisbon, Salem, or surrounding area residence, so make the call to Beltempo Insurance to schedule a check on your rental insurance policy.