When you are renting a home, you must have renters' insurance in place. With this insurance policy, you will be covered against a wide range of accidents and calamities. If you need renters' insurance for your home, call us at Wolcott Insurance Group, LLC in Connecticut to make an appointment to talk to an agent about a renters' policy.
Cover Your Belongings
Home insurance protects a dwelling and everything in it, but renters' insurance is a little different. It does not cover the building itself, as the building's owner is responsible for it and must insure it. Instead, it is mainly focused on covering the renter's belongings that are inside the dwelling. To ensure that everything is covered, it's a good idea to take a basic inventory of items and to either photograph or record a walk through the rented home so that most of the belongings can be seen.
Covering Your Liability
If someone should get injured or become sick while in your home, your renters' insurance has a specific level of liability coverage included. Often, this coverage is small, however, and medical bills can be huge. It's a good idea to raise your amount of liability insurance to protect yourself against this disparity.
If a catastrophe or calamity renders your rental uninhabitable, your renters' policy will pay for you to live elsewhere. Many policies also pay for your expenses and moving costs in the event of this emergency. With renters' insurance, you don't have to worry about where you'll go if a terrible calamity happens to your dwelling.
Take to an Insurance Agent
If you rent your home and need renters' insurance, or you want to add more coverage to your policy, call us at Wolcott Insurance Group, LLC in Connecticut to schedule an appointment with an agent to talk about your coverage.