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Renters Insurance Information
Renters Insurance in Dallas, Texas
If you rent a house, condo or apartment, you may face some of the same dangers that affect homeowners. Whether it’s fire, smoke, vandalism, theft or a weather-related incident, you can protect your personal property with renters insurance. This coverage helps to protect you if you sustain damage to your belongings in a covered incident.
What Does Renters Insurance Protect Against?
Renters insurance helps protect your possessions if there is a fire, smoke, lightning, vandalism, theft or water damage. This coverage may also give you protection for on-premises theft and hazards, including items stolen from your car or items lost or damaged wherever you are. However, renters insurance typically doesn’t cover flooding. Southwestern Insurance can help you review your living situation to help you determine what insurance is best for your situation.
Typically, renters can choose from two personal property coverage options: replacement cost value or actual cash value. If you insure your personal property at its replacement cost value, you can replace items purchased formerly at today’s prices. If you opt for the actual cash value, you get the replacement cash value minus depreciation at the time of your loss.
Renters insurance may also protect you if you’re responsible for an injury or property damage to others. For example, if a guest slips and sprains an ankle at your birthday party, your insurance may give you protection. Liability may also cover your legal defense costs and judgments if there’s a lawsuit, regardless of whether the incident occurred within your rented residence or somewhere else.
How Much Renters Insurance Do I Need to Buy?
The amount of renters insurance you choose to purchase depends on how much stuff you have. The more you have to lose, the more insurance you probably need. It’s a good idea to inventory your belongings so you can decide much personal property coverage you need to buy.
How We Can Help
Because renters insurance only covers the value of your belongings, your premium may be reasonably inexpensive. Southwestern Insurance can help you determine the value of your belongings to get the coverage that’s right for you. Call us today at 866-994-3253 to get started.