WHAT IS RENTERS INSURANCE?

Renters insurance will protect you from incidents that happen while you’re at home, too, such as a fire caused by your toaster having a meltdown or if someone trips and falls in your apartment, leading to expensive medical bills or even a lawsuit; your renter’s insurance policy would provide you with coverage. Renters insurance provides coverage for your own items, and it provides coverage for other people’s injuries or damages in situations for which you’re liable.

Renters Insurance protects you from unexpected incidents that anyone can face: fire, theft, water damage and other unplanned circumstances – events your landlord’s policy won’t cover. For example, you may be at work or on a family vacation, and when you return home, you find your building has been destroyed by a gas explosion. In most cases, a landlord’s insurance only covers structural damage to the building itself, not the possessions or liability of a tenant. Building fires, floods, and other damage can happen anytime, anywhere.

Protect Your Apartment, Condo, or Rental House with Renters InsuranceDid you know that your valuables might not be covered by your landlord’s or homeowner’s association policy in the event of theft or damage? If you are renting an apartment, home, or condo, you can protect your family with USAgencies.

Whether you’re renting a house in Fairhope, Alabama, a condo on Alabama’s Gulf Coast, or an apartment in Shreveport, our team of local insurance experts has decades of experience and have helped thousands of renters to find the best policies at the lowest rates. Renter’s insurance can protect your personal property against fire, theft and vandalism, as well as from personal liability lawsuits.

RENTERS INSURANCE COVERS MORE THAN PROPERTY, POSSESSIONS, AND BELONGINGSPersonal Property• Renters insurance policies typically cover the following:• Stereo systems, VCRs & TVs• CDs, DVDs, videos & tapes• Personal cameras• Movable appliances, including microwave• Furniture• Sports equipment• China and glassware• Clothing• Books

Natural HazardsMost policies protect your personal property against losses caused by the following:• Fire and smoke• Vandalism• Water damage (not including floods)• Frozen water pipes• Hail• Windstorm• Lightning• Explosion• Vehicles or aircraft• Theft at residence

Renters insurance helps to pay for a place to stay if you can’t live in your apartment by damage from something like a hurricane or major repair — up to a point. Some policies place time limits on how long they’ll cover expenses of staying in a new place, such as six months or a year, while others put a cap on how much they’ll shell out.

You may be able to get a discount on renter’s insurance if your residence has particular safety features, like a fire or burglar alarm, fire extinguishers, sprinkler systems and/or deadbolts on exterior doors.

Some landlords require tenants to obtain a renter’s insurance policy. Whether your landlord requires renters insurance or not, it’s a good idea to take an inventory of your possessions and think about what it would cost you to replace them. For less than the cost of a take-out meal a month, a renter’s insurance policy will give you peace of mind. Protect your family and your possessions with the best renters insurance from USAgencies.

Our renter’s insurance is available to members 24/7 by calling us at 800-958-8545 or by purchasing

online at https://www.usagencies.com. Call us today for a free renters insurance quote.