As a tenant it might not cross your mind to get renters insurance. But, renters insurance is essential to equip your valuable belongings with protection from unexpected dangers.
Whether you rent a house in a quiet suburb or have an apartment in the heart of Columbia SC, the importance of insurance for renters remains the same. Often, renters conclude that their landlord's insurance will cover their losses. However, this is often not the case.
Landlord's insurance generally covers the building and any appliances or fixtures. However, this does not include a renter's personal possessions in case they suffer from damage or theft.
In essence, should your possessions suffer loss or damage in an event like a fire, flood or break-in, check here you would bear the cost for their replacement, unless you have insurance for renters.
Getting coverage for renters can also ensure protection from liability claims. For example, if a guest gets hurt while visiting your rented home and they decide to sue you, your insurance can help cover the legal expenses and potential payouts.
To sum up, renters insurance offers much-needed protection for individuals renting their living spaces, and is an investment worth considering. No matter your renting location in Columbia, SC, it’s time to consider protecting your possessions with renters insurance.