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Renters Insurance


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Renters Insurance Information

 

Kansas City Renters Insurance

Serving Kansas City Area, Missouri and Kansas with Renters Insurance

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Why Do You Need Renters Insurance?

Renters insurance coverage gets overlooked a lot of times in the busy schedule of life. If you are renting an apartment you may be asked by your landlord to show proof of renters insurance. If there is a fire and you lose everything in your apartment, your landlord’s insurance policy will not cover your contents. Most fires start in the kitchen and while you may be careful about not leaving your stove unattended, are you sure your neighbors are?

 

What Does Renters Insurance Cover?

 

  • Personal Property – this part of your renters insurance covers your personal property inside the apartment or a house. It insures your contents against fire, theft, burglary, vandalism, wind, lightning and hail damage. Not all renters policies are created equal, some coverages are limited like electronics or jewelry. Discuss it with your insurance agent which coverages suits you best.
  • Liability Insurance – the liability coverage is there to protect you against lawsuits from people injured in your apartment or house or if you accidentally cause damage to the building. Let’s say your guest slips on the steps and falls breaking their leg. Liability would help pay for their medical expenses, also help you with the legal defense should they file a lawsuit against you. Most landlords are requiring you to have at least $100,000 in liability coverage before leasing to you.
  • Additional Living Expense – this part of your policy would pay additional living expenses if you are forced to move because of a covered loss. If you are forced to move to a hotel temporary because of a fire, this part would pay the extra expenses incurred up to the limits of your policy.

 

I Run A Business Out of My Apartment, Am I covered?

 

In short, no. Your business property or any claims made against your business will not be covered by your renters insurance. If you own a business, it’s best to get a business policy or general liability insurance to cover your business property. More information about that click here.

 

Does My Landlord’s Insurance Cover Me?

 

Your landlord probably has insurance on the building that covers structural damage and provides liability, but that coverage does not extend to the tenant. If the building was destroyed in a fire, their policy would not pay for your contents, only your own renters insurance would cover that. Their liability may only cover your medical expenses if you are injured on their property due to landlord’s negligence. Renters insurance is inexpensive coverage, with rates starting around $12 a month. Unless you have the means to replace everything you own at once, getting this valuable coverage for the low cost is important.

 

Bargain Insurance Connection is ready to help you obtain renters insurance for your apartment or a house, we provide quotes from several national insurance companies to offer you the best coverage and lowest rates. Just call us at 816.453.7722 or submit our online form.

 

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