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Renters Insurance Rockwall, TX

Renters Insurance-Rockwall, Texas

What is Renters Insurance?

Renters insurance is one of the most affordable types of insurance available. We have multiple options here at Hanby to find you the best Renters Insurance in Rockwall TX.

When renting a home or an apartment, the landlord is responsible for insuring the property against damages caused by fire and other disasters. The landlord does not provide coverage for renter or or their personal property. As a renter, it is your responsibility to purchase renters insurance, which comes with a number of coverages to protect you from the unexpected.

What is covered under Renters Insurance?

Below is a rundown of what is covered by renter’s insurance.

  1. Personal property coverage- A renter’s insurance policy offers coverage for the theft, loss or destruction of your personal belongings in the event of a fire, storm or other covered peril.

Having a renter’s insurance policy can also provide coverage for your personal belongings when they’re not inside your home—for example if you take your laptop with you on a trip and it is damaged or stolen.

  1. Liability coverage- Liability insurance that comes as a part of a standard renter’s insurance policy can help protect you if you are found liable for damages that happen at your residence.

Liability coverage will also pay for damages caused accidentally by you or your family members. For example, if your child accidentally throws a baseball through your neighbor’s living room window, your liability insurance plan could cover the damages.

  1. Additional living expenses- A renter’s insurance policy, will help pay for your temporary living expenses if your residence is inhabitable due to a covered claim. This can include things like hotel bills to restaurants to other living expenses you normally wouldn’t incur.

The average premium only costs $187 a year, according to data from the National Association of Insurance Commissioners (NAIC), or between $15 and $30 per month. There are also more options than people realize when it comes to your renter’s insurance policy. Depending on the particular kinds of coverage that are important to you, you can often pick and choose certain aspects of your policy.

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