Most landlords and apartment owners are covered only from the damage to their property. The dwelling will be covered, but what about the appliances, furniture, clothes, and other items? These are all vulnerable, so it’s important that you have your own policy. This is when renters insurance comes in.

When looking around for insurance companies in Pennsylvania, you might hover your eyes over the term “renters insurance”. What’s the significance of it and why would you need it? What will be covered in your policy and what won’t be? Below are some clarifications that you should take note of.

Quick Summary of Renters Insurance

With the landlord or apartment owner already covering most of the things that concern their dwelling, it’s up to you to be covered for the things that you have inside of your rented space. You should also prioritize the need to cover the items that you do bring even if they are temporary.

The most standard renters insurance policy will cover your belongings in case the case of:

Theft

Fire

Water damage

Power surges (brownouts, blackouts)

Vandalism

In general, only events that are out of your control will be covered by the most standard policies for renters insurance. When it comes to hazards such as earthquakes, flash floods, landslides, and other similar ones, you will need to talk to your insurance provider.

Negligence of the Landlord

A common theme among those that push for a claim with their renters insurance is the negligence of the landlord that led or directly caused damage to their property. It is up to you to prove that the landlord was negligent. If they did not provide security or give you a lock or your doors and windows, this can be easily provable.

If this is not the case, then you will have to pay to replace the things that were damaged or taken. With renters insurance in place, you will be covered from these payments along with any payments that you might have to make due to disasters.

Loss of Use

If at any circumstance, you will be unable to live in the space you rented, you will be covered for the time being when you do stay at a hotel. This is in case of emergencies. Compared to having to spend the money in your pocket, this is a bump up in quality of life.

This can also be the case if you work at your rented space from time to time. If you are unable to use the internet in your rented space because of a disaster, the expenses while you work elsewhere will be covered by the insurance companies in Pennsylvania.

Should You Get Renters Insurance

If you plan on staying for a long time or you don’t know until when you’ll have to stay in a rented space, you should get renters insurance. It will save you from a lot of headaches. Suddenly having to pay a large sum because there were broken items during a disaster while still paying the rent can be problematic.

Miller Carlisle Insurance Services is one of the most trusted insurance companies in Pennsylvania today. For coverages for your home, car, health, or life, we can help get the best deals available in the market for you.