Renters insurance

•  When renting a home, you'll need an insurance policy to cover your personal belongings known as renter's insurance.
• Landlords have property insurance but those policies cover only the building, not your personal items within. 
• The majority of renters don't purchase renter's insurance, either because they don't think it is necessary or believe they are covered under the landlord's policy. 
• Reasons to purchase renter's insurance include its affordability, the coverage of losses to personal property, it might be required, it provides liability coverage, it covers your belongings when you travel, and it may cover additional expenses. 

Renters insurance (sometimes referred to as "tenant insurance") helps cover unexpected events — otherwise known as covered perils. You may not always be able to prevent certain situations, such as theft, a break-in or a visitor's injury, and that's where renters insurance comes in. This table breaks down the different types of coverages in a renters insurance policy and what they usually cover.

There are different policies available for renter’s insurance and we are here to help assist you with choosing the best policy for you. Here is a list of things renter’s insurance covers 

• Damage caused by aircraft
• Damage caused by vehicles
• Explosion
• Falling objects
• Fire or lightning
• Riot or civil commotion
• Smoke
• Theft
• Vandalism or malicious mischief
• Volcanic eruption
• Weight of ice, snow, or sleet

Windstorm or hail Damage from water or steam from sources including household appliances, plumbing, heating, air conditioning, or fire-protective sprinkler systems.