Renters insurance

Renters insurance from Allstate Insurance - Baecker Agency, Inc.

By: Allstate Insurance - Baecker Agency, Inc.  11/10/2014
Keywords: Renters Insurance, Landlords Insurance

Even though your landlord probably has an insurance policy on your building, you’ll need to protect your personal interests, too.In fact, renters have a higher likelihood of theft and burglary than home owners.According to the Bureau of Justice 2005 Statistics:

  • Renters are 52.6% more likely to be burglarized than homeowners
  • Renters are 118% more likely to experience motor vehicle theft
  • Renters are 33.5% more likely to experience a theft than homeowners

It may only cost a little to protect a lot.Renter’s insurance may be less costly than you might think.While coverage’s may vary by state and individual qualifications, here’s what a typical Allstate renters’ policy covers:

Your Property:For covered losses, this protects your personal property if its destroyed or damaged by the following: Fire, lightning, falling objects, smoke, explosion, wind and hail, water damage from plumbing, steam or water heating systems, and vandalism / riots.

Theft:Your personal property is also protected against loss from theft, including: theft on premises (in your home) theft off premises (away from your home), stolen or forged checks, and stolen credit cards / counterfeit money.

Family Liability and Guest Medical Expenses: This protects you for covered losses if you’re held legally responsible for damage to someone else’s property, or if a guest is accidentally injured in your home

Your Living Expenses:If your apartment is damaged and you are unable to live in it, Allstate will help pay additional living expenses incurred due to a covered loss, until your place is habitable, up to the amount of time specified in your policy.

Keywords: Landlords Insurance, Renters Insurance

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