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Did you know that when you rent an apartment or home that you are likely responsible if someone is injured in an at-fault accident while on that property? What about if the home is flooded or there is a fire — who pays to replace your belongings? In most cases, this is your responsibility, and these could be very expensive occurrences. A renter’s insurance policy is a simple way to make sure you are protected from these incidents. Have you ever found yourself wondering, “What is renter’s insurance anyway?” Let 2nd Chance Insurance help you navigate these waters and protect you as a renter; just give us a call or fill out the form above and you’ll be on your way to obtaining a cheap renters insurance quote that best fits your needs.

What Is the Average Cost of Renter’s Insurance?

While the cost for renters insurance will vary from case to case based on how much coverage you need and the deductible you select, this is actually one of the most affordable types of policies you’ll pay for in your lifetime. As a renter, you are not paying for insurance on the structure; only your own belongings and possibly liability for at-fault accidents that may occur on the property. Call us to learn more about what renter’s insurance covers or if you’re ready to obtain a renters insurance quote. You may be surprised by how little it costs to protect your personal items and yourself from being financially liable for at-fault accidents in which others are harmed.

Is Renter’s Insurance Mandatory?

In most cases, renter’s insurance is not mandatory. It is an optional type of insurance that protects you in case there is an unexpected occurrence in which your personal property is damaged, or someone visiting you hurts themselves in a way that is deemed to be your fault. However, because laws vary from state to state, we recommend that you call our team of insurance experts, and make certain there are no local laws in force that require you to have any type of renter’s coverage. In any case, because the average cost of renter’s insurance is so low, you may want to go ahead and purchase a small policy anyway because in the instances you find yourself needing it, it will be well worth the investment.

What Does Renter’s Insurance Protect?

As mentioned previously, renter’s insurance protects your possessions if there is a natural disaster, theft or other incident in the property you are renting. Unfortunately, this type of insurance is usually necessary as most of the time the policy that your landlord has in place does not cover your property — only their own. Therefore, if there were an incident, you would be responsible for covering the unexpected costs. For instance: if you had a dog that bit someone, you would be held liable to cover the costs of their medical bills. Other at-fault accidents that occurred on the property could be your liability too. In the world of insurance, renters insurance is one of the biggest bargains there is. 2nd Chance Insurance specializes in providing the best renters insurance quotes to those in need. Give us a call, or fill out our online form above so we can learn a bit more about your particular needs, and recommend a policy that will suit you best. We can’t wait to help you find the perfect policy to protect yourself and your belongings.

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