What your landlord’s policy does not cover
Renters insurance is a vital form of protection that is often overlooked. As a tenant, your landlord’s insurance policy covers the building itself, but it does not cover your personal belongings inside.
3 min read · Moreno Insurance Agency, San Antonio
Why it matters more than people think
Even if you do not own your home, you still have valuable possessions that are vulnerable to theft, fire, and other disasters. Without renters insurance, you would have to pay to replace all of your belongings out-of-pocket if they were ever lost or damaged.
A renters policy provides a financial safety net, protecting your clothes, furniture, electronics, and other valuables.
The three moving parts
Personal Property Coverage protects your belongings from covered events like theft, fire, and vandalism. It covers everything from your furniture and clothing to your electronics and appliances.
Personal Liability Coverage provides financial protection if you are found responsible for causing bodily injury to someone or damaging their property. For example, if a guest is injured while in your rental home or if you accidentally cause a fire in your building, this coverage can help with legal fees and medical expenses.
Loss of Use: if your rental becomes uninhabitable due to a covered event, this coverage can help pay for temporary housing and other living expenses while your home is being repaired.
Read the full coverage page, or start a quote and we will walk you through it on the phone.