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Renters Insurance in Ohio
Why Do You Need Renters Insurance in Ohio?
If something were to happen to your apartment or home while you are renting it, what you lose won’t be covered under the property owner’s policy. Without insurance, your belongings won’t be covered, you have to pay for any liability, and you won’t get any money while you live in alternative accommodations during a repair. Your landlord may also require you to have your own insurance policy to protect yourself.
What Does Renters Insurance Cover?
If there is a fire, natural disaster, or theft, renter’s insurance can help in Ohio. Renters insurance will help replace property, whether it’s your TV, furniture, or wardrobe. Renters insurance may also cover your belongings if they are away from your rented home. If your laptop is stolen while on vacation, then your coverage may be able to handle this. It will help pay for any additional living expenses while your home is being repaired. If you are held responsible for harming someone else or their property, or if someone is injured at your rented property, liability protection within your renter's insurance should cover the related medical costs.
Choosing Renters Insurance
An agent at Smucker Insurance Agency, Inc. serving Plain City, OH, can help determine how much coverage you need based on a few things. For liability coverage, it will depend on if your landlord requires any. Also, consider how much you have in assets because this will determine how much you could lose if you are sued. If you are in a higher risk situation, such as having a dog or living with roommates, you may want to get more coverage. In order to protect your belongings, do an inventory of your items to help determine how much coverage you need. Having a list will be helpful in the future if you need to file a claim. Your stuff could be worth more than you think, so it’s worth making a list and getting a quote for a personalized policy.
Contact Smucker Insurance Agency, Inc. serving Plain City, OH, to get a quote on renter’s insurance.