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Aug 18, 2016

Many people are unsure or unfamiliar if they can carry insurance just for their personal belongings, and the answer is yes! Renters insurance is a form of homeowners insurance (HO4), which is coverage for your personal belongings whether you own a home or not. Renters insurance for your personal items can help protect you from theft and fire by giving you coverage for any losses. Example items include your furniture, clothes, jewelry, etc. These two main sections will explain to you why it is important to own renters insurance, and what type of coverage options are available for you!

Why is it important to carry renters insurance even though you do not own a home?

Even though you don’t own a home specifically, you still want your items insured no matter where you are located. Incidents can happen any time of the day, and you will need to know how to act when an unlikely occurrence happens to you. Bradenton Insurance states that “what people don't always realize is that homeowner policies go beyond incidents such as fire, theft, vandalism, etc. coverage. Homeowners insurance can also provide liability coverage and pays for legal fees/settlements if someone were to win a judgment against you”.

What type of coverage options are there?

Bradenton Insurance offers numerous coverage options:

  • Personal Property: Covers the replacement costs of personal belongings. Like stated earlier if you do not own a home you should still purchase a homeowners policy, commonly referred to as renters insurance to protect all your belongings.
  • Personal Liability: Protects you and your family members from lawsuits against you.
  • Medical payments: This covers medical expenses due to an injury in your home.

There are many great coverage options for your personal belongings to protect you and your family. Keep your special items and memoirs safe in your belonging, but if anything does occur, with insurance you will have the necessary funds to replace them. Bradenton Insurance strives to get you into the most appropriate insurance coverage for not only your personal items, but also your home, car and business.

Check out Bradenton Insurance's website to see all the different types of insurance coverage available for you and your family regardless of whether you live in Lakewood Ranch, Sarasota or Bradenton!

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