What Does Renters Insurance Cover?
If you rent an apartment or house, Muller Insurance can help set you up with a renters insurance policy. Even though renters won’t be affected financially by the loss of the building they live in itself, they stand to lose necessities, family heirlooms and other valuable items, plus experience financial harm as they replace lost items. Luckily, an insurance plan can cover most of your belongings in the event something unexpected happens.
When Disaster Strikes
If the apartment building catches on fire and all your clothing, electronics and furniture are destroyed, will you be able to recover? The costs add up more quickly than you might imagine. But with renters insurance, you’ll be financially reimbursed for items lost or damaged due to any of the following:
- Fire and/or smoke
- Theft and burglary
- Ice, snow and hail
- Volcanic eruption
- Falling objects
- Wind (including wind from hurricanes and tornadoes)
- Water damage from broken pipes
While you might think none of these events will ever happen to you, they very well could. It’s important to note that a couple major catastrophes are not included on this list. If you want to be protected from floods, earthquakes and sinkholes, you’ll need add-ons or separate policies altogether. The agents at Muller Insurance can work with you to make sure you have all the coverage you need.
If something gets damaged as a result of the aforementioned events, you can submit a claim. While you might have to provide photos or receipts to prove what you owned and how much it was actually worth, in general, the following items are covered by renters insurance:
- Furniture (couches, beds, desks, dining tables, etc.)
- Clothing and bedding
- Electronics (televisions, laptops, tablets, gaming consoles, cell phones, etc.)
- Jewelry and accessories
- Art and other home décor
So if your expensive handbags get stolen or all your clothing gets ruined in a fire, you can breathe a sigh of relief knowing that renters insurance has your back.
Sign Up for Renters Insurance
If you haven’t already, sign up for renters insurance today—before you’ll need to make a claim. Contact Muller Insurance to learn more about your options. And if you live in an area prone to flooding, we can help you get flood insurance, too. Fill out our online form or call 201-659-2403 today and your future self will thank you.