Renters Insurance from Gulf Harbor Insurance

Even if you don’t own your home, there’s still a lot at stake. Renters insurance allows you to protect your personal belongings and provides personal liability coverage without breaking the bank.

What is covered by renters insurance?

Every policy is different, but most renters insurance policies cover the following:

• Damage to furniture, clothing, and other personal belongings
• Personal liability for someone else’s injury caused by your actions
• Damage caused by a covered hazard
• Temporary housing if you’re forced out of your home or apartment due to a covered loss

Why you need renters insurance?

Although your landlord probably has insurance, it usually only covers the building you live in, not your personal belongings or your liability for accidents. If your belongings are stolen during a break in or damaged by a fire, having a renters insurance policy can allow you to recover their value. Additionally, if someone is injured during an accident at your home, renters insurance can help protect you in the event of a lawsuit.