When you’re a renter, it’s crucial to have insurance protection. Since you aren’t the owner, you don’t need home insurance. You don’t have to insure the home itself, but you do need to insure everything inside it. This is an essential way that renter’s insurance protects you. However, it isn’t the only way. Renter’s policies also come with a type of insurance that many people don’t think much about – liability coverage. Contact us at Armorcrest Insurance Services in El Centro, CA, to learn more. 

Liability and Renters

Many renters assume that if there’s an accident on the property, the property owner would be responsible for it. However, if you’re renting it, what happens there is your responsibility. It may seem like having liability insurance isn’t something that isn’t worth it, but it is. There is always a way for someone to have an accident in your rented home. Anyone could fall and get hurt, and you’d be liable. The accident costs would be yours to pay without the renter’s insurance. 

The Costs of Accidents

It can be costly when someone comes over and has an accident. The medical costs can be very high even if the injuries are relatively mild. A serious accident could be so expensive that it could wreck your finances. There may also be other costs that the renter’s insurance liability coverage could cover. These can include any legal fees the injured party has, the wages they lost because of the accident, and more. All of these can add up to a lot, so it’s never a good idea to go without this coverage that could make such a big difference in your finances someday.

Get Renter’s Insurance in El Centro, CA

When you need renter’s insurance, we’re here to help. Call Armorcrest Insurance Services in El Centro, CA.