Just because you rent, doesn't mean your possessions aren't worth protecting. You may think your couch, coffee table, sweaters, shoes, coats, TV, VCR and CD player aren't worth a lot but those items all add up. That's one of many reasons why you need Renters Insurance.
Renters Coverage
Renters Insurance policy covers personal property, subject to the policy limits. Your property is covered anywhere in the world - if your clothing is stolen while you're on vacation, you're covered. But there are special policy limits for your jewelry, watches, furs, silverware, firearms, computers and rugs or carpets made outside the U.S. For a complete list, please check with your Farmers agent.
Typically, you are protected if your property is damaged as a result of theft, fire vandalism, riot or civil unrest, etc.
Personal Liability
Renters Insurance covers you against damages arising from bodily injury and property damage, for which you are legally responsible. Coverage is available for liability resulting from the use of your premise (including swimming pools), the acts of your pets, and unintentional acts by you and qualified family members.
Calculating how much Renters Insurance you need
Make a Inventory checklist and list all your possessions, when you bought them and the price paid for them. Review the list with your Insurance agent to decide the coverage you need.
All Insurance Companies understand that no two customers have the same insurance needs. They will work hard to give you the best coverage combinations to fit your lifestyle and budget. Please contact your local Insurance agent for more information on renters insurance.
I would suggest either State Farm or Farmers as they are well known Companies with excellent rates.
Good Advice from your neighborhood Realtor/Property Manager
Vickie Hughes
