WEBVTT

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(energetic guitar music)

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If you are renting,

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you should know your landlord's insurance

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does not cover you or your possessions.

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You need a renter's insurance policy.

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A standard renter's insurance policy usually comes

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with two primary coverage options.

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First, liability coverage.

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Say an accident occurs in your rented residence

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that causes property damage or personal injuries.

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Liability coverage may help if you are found liable.

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Keep in mind some leases may require you

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to have liability coverage.

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So before you move, check to see if you need this coverage.

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Next, personal property coverage.

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Say you're the victim of a burglary or a fire.

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Personal property coverage may help replace

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your personal possessions in the event of a covered loss.

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Make a list of important items that you would want replaced.

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Your insurance agent can help you assign a value

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to each of them.

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For items of higher value like jewelry or art,

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consider getting additional coverage.

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Finally, renter's insurance is typically very affordable.

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For a small amount every month,

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you can rest assured you will be covered

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if an emergency happens.

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Have a question about renter's insurance? We can help.

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Contact us today.