If you rent your apartment, home, or other living space in Raleigh, you’ve likely heard someone mention renters’ insurance to you. Many people believe that their landlord’s insurance will cover them in case of any problems, while others think that renters’ insurance just isn’t that valuable. The truth is, if you rent, you need your own insurance. Renters’ insurance has the potential to save you from thousands of dollars in the event of a tragedy, and it can also help in unexpected or bizarre accidents where you’d normally be stuck handling the additional costs. Here are a few of the things you can rest assured are covered by your renters’ insurance:
Natural Disasters (Like Fire, Lightning, Windstorms, Or Hail)
You might just imagine that you’re at the whim of Mother Nature when bad storms or other disasters hit, but renters’ insurance can cover damage to your home or belongings in these instances. Of course, these types of weather-related issues can happen on massive scales, but just think about more common situations: lightning striking and causing a power surge or hail beating away and cracking a window. These types of things happen all the time, but renters’ insurance from Amistad Insurance Services can easily cover them.
Returning home to find some of your valuables missing is an incredibly violating and upsetting experience. How awful would it feel to have to cover those expenses out of pocket, on top of the emotional distress of being robbed? Luckily, renters’ insurance covers not only the property you rent but the items you own as well, protecting you in the event of a break-in. Additionally, if you have global coverage, it will protect your belongings even if they’re not in your home or apartment. So, for example, if someone steals your bike or laptop while you’re out running errands, it could be covered by renters’ insurance.
Damage To The Property From Within
Perhaps your plumbing, air conditioning unit, or fire protective sprinkler system will overflow with water or steam. Conversely, during colder months your pipes to these systems could also freeze. When something like this happens, your first inclination is to call the landlord and have him or her take care of it. Unfortunately, these problems could very easily become your problems, leaving you taking care of the bill. Luckily, renters’ insurance will cover these types of issues, allowing you to quickly repair the problem without stressing about how you’ll handle the extra expenses.
Explosions, Volcanic Eruptions, And Falling Objects
While these might all seem like far-fetched things that would never happen to you, you won’t even have to worry about them with renters’ insurance. In the case of insurance, we often end up protecting ourselves against the unexpected, like freak accidents that we couldn’t have even imagined. No one plans for a tree limb to fall on their apartment or for one of their appliances to malfunction and cause damage, but it is possible to keep yourself, your belongings, and your finances in check with insurance. If you’d like to learn more about renters’ insurance in the Raleigh, North Carolina area, call Amistad Insurance Services today at (919) 926-7166.