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Durham Renters Insurance Information
Affordable Renter’s Insurance in Durham, NC
Renting a home these days can be far cheaper than purchasing one, especially since you don’t have to deal with the hassles of maintaining a property or fixing things when they break down. Garbage disposal won’t work? Call the landlord. The washing machine blew a fuse? Call the landlord. But what if something worse happens? After all, a rental home is just the same as any other, and equally as prone to the vicissitudes of bad weather and ill fortune. There are some things that a landlord’s policy just won’t cover, although if you had a Durham, NC renter’s insurance policy, you could be certain of protection.
What is covered?
The typical renter’s insurance policy in Durham is designed to cover the renter in the case of a serious problem that is not within the purview of the landlord’s responsibilities. A common example of this is a break-in, leading to the loss or destruction of the tenant’s property. A landlord is under no obligation to replace the lost items, but a Durham renter’s insurance will cover the cost of replacement. The bottom line is that any calamity resulting from a cause outside the landlord’s control is up to the renter to handle. So if the complex is flooded in a bad storm and all the tenants are forced to move temporarily, it is not the landlord’s responsibility to pay for their alternate accommodations. A good renter’s insurance policy, however, will help you defray the costs of seeking temporary shelter.
When you do so much to protect your car, your health, and your loved ones, doesn’t it make just as much sense to protect your home with a renter’s insurance policy? All it takes is one consultation with an Amistad agent to get you started on finding the ideal renter’s policy for your needs. Please visit our site, Allstate - Paul Romero Insurance Agency, to get more information on the Allstate products and services we can offer, or feel free to call us at (919) 926-7166.