Renters’ insurance is a type that you should never be without if you are a renter. It’s incredibly important to keep this insurance so that you are protected against many of the risks that you face. These days, it’s common for landlords to require their tenants to have their own renters’ insurance policies so that there is less chance of the landlord being held liable for problems that come up. If you don’t have your policy in place yet, please call us at Texas Independent Insurance in Allen, TX.

Covering Your Possessions

One of the best ways that renters’ insurance covers you is that it offers protection for all of your belongings that are in the home. You might wonder if that’s necessary, but it’s essential to have this coverage. Imagine how much it would cost to replace everything in your home if a major damaging event happened. It would likely be an enormous amount that would be difficult to afford. That’s when renters’ insurance comes in handy. It can pay to get everything replaced and save you from financial ruin. 

Liability Protection

Renters’ insurance also protects you against your liability for accidents and injuries. If someone came to your home and had an accident that left them injured, you as the person in charge of the property would be liable for all of the resulting costs. This can include the person’s medical bills and any wages that they lose due to not being able to work. Without a renters’ policy, all of that money would have to come from you. 

Get Renters’ Coverage

To stay protected against a wide range of risks, you need renters’ insurance. If you’ve just rented a place or have been going without coverage, call us at Texas Independent Insurance in Allen, TX to get started.