Learn Why it Might Benefit You to Invest in Renters Insurance in Covington TX
Whether you are renting a home or an apartment, it might be wise to have renters insurance in Covington TX. It is designed to protect your own property within the rental unit. In the event of a fire, storm, or other covered even (such as a theft crime) renters insurance can pay to repair or replace your belongings. Keep reading to learn more about what it does and does not cover, then contact Grandview Insurance Agency at (817) 866-3337 if you would like to request a quote.
Doesn’t Homeowners Insurance Cover You?
No. Homeowners insurance covers just that – the homeowner. It protects the investment they have made into their property but it does not cover any of your belongings within the house. If you want to know that everything you own is covered by insurance then you need renters insurance in Covington TX. This covers a wide range of situations, such as someone breaking into your home and stealing your things, a fire, and many things in between.
These are the 3 Types of Coverage Renters Insurance in Covington TX Generally Includes
Every policy is different, but unless you have a very unique situation you can count on your renters insurance in Covington TX to likely cover these three things:
- Loss of use. This covers living expenses you may incur if you are required to move while your rental property is being repaired. It can also cover any additional living costs you would not have if you were still living in the property you rented, such as rent, eating out, and other costs.
- Personal property. This covers the cost of repairing or replacing your belongings, and the cost of luggage and other items when you are traveling.
- Personal liability. This covers your legal fees if someone sues you and covers their damages if someone is injured due to your negligence.
If you have questions about these or other coverage types, contact Grandview Insurance Agency at (817) 866-3337.
H2 Do You Need Optional Coverage for Renters Insurance in Covington TX?
If there is a type of coverage you need that is not included in a basic policy for renters insurance in Covington TX, there are some optional coverages that might work for you. For example, if you have expensive items like jewelry, nice electronics, or art, you might need replacement coverage that pays enough to cover these high-end costs.
If you work from the home you are renting, then business coverage might be necessary as most typical renters insurance in Covington TX does not cover items you use for business. If you have a type of dog that is considered high risk then you might need to add liability coverage, or if the property has a pool, trampoline, or other injurious item. We can help you better understand your options when you contact Grandview Insurance Agency at (817) 866-3337 today.