If you are living in a rented house or apartment, you need to buy a type of insurance known as renters insurance. This is a group of coverages that helps protect you and your loved ones from injuries and losses due to accidents or natural perils. Renters insurance also protects your personal items in the home based on the limits that you select. If you just rented a property in El Centro, CA, you can leave all your insurance worries to Armorcrest Insurance Services. We are here to help you every step of the way.

What exactly will your renter’s insurance cover?

Most tenants tend to ask this question, especially those who are buying insurance for the first time. Renters insurance–often known as tenant insurance helps protect you and your family against catastrophic events known as covered perils. That means you need to pay for every coverage in order to receive protection. Such hazards include theft, fire, storm, or a visitor’s injury. Here are the primary coverages in renter’s insurance.

• Liability: If you accidentally damaged someone’s else property or a guest got injured while at your place, you will be held liable for any lawsuits or medical bills that could result from the accident.
• Personal property: This coverage protects your personal belongings by repairing or replacing items like furniture, electronics, appliances, and clothes.
• Additional living expenses: If the residence you rent gets too damaged that it becomes unlivable, this policy will help pay for the living expenses incurred when you lived in a temporary home.

How does renters insurance protect your belongings?

Many people buy renters insurance to protect themselves and their property, which is mostly everything in the house. Renters insurance covers items like furniture, electronics, and clothes. Your insurance company can either repair or replace, depending on your agreement. However, valuable items, documents, and priceless items require special coverage.

For more information, queries, or new policy discussion, contact Armorcrest Insurance Services in El Centro, CA today!