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Enclave Insurance

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Renters Insurance

You’ve worked hard for your belongings, keep them protected!

Renters insurance is similar to homeowners insurance. It provides renters with some of the same financial protections that homeowners provides to people who own homes. Most notably renters can get coverage for their personal belongings.

If you are a renter, then you do not need to buy insurance to cover the building in which you live. But you do need insurance to cover your personal belongings. Insurance for renters offers coverage to individuals who rent instead of own their home. If you are a renter, and your belongings are damaged from fire, vandalism or theft, then it will be repaired or replaced with renters insurance. This insurance also offers liability coverage in case someone visiting is hurt inside your apartment.

The price of this coverage varies based on your insurance company and the value of your belongings. You will also have to pay a deductible when you file a claim. But most of these policies are basic and offer the same protections no matter the insurance company. Your personal property is covered. And the insurance might also pay for you to live elsewhere if your rented home is being repaired.

When considering whether or not you need this insurance, consider the risk you are taking. The landlord’s insurance does not cover your personal belongings.