It just happened again a few days ago – an apartment complex in Las Vegas caught fire and displaced the occupants. Often when these stories are reported, the news will mention that very few, if any of the residents had insurance coverage. Protect your belongings with affordable renters insurance quotes from the professionals at Safeguard Insurance.
Renters insurance, also known as an HO-4 (homeowners policy, form 4) is essentially the same policy you would purchase for an owned property, minus coverage for the actual building. Remember your landlord is only interested in protecting his asset – the home – and has no insurable interest in your possessions kept inside. Landlord insurance does not provide any coverage for the personal property of the tenant.
Types of Renters Insurance Coverage
Renters insurance consists of the following coverage:
- Contents, meaning your personal property located inside the home or apartment.
- Loss of use covers the expense of vacating the property, meals, or any additional expense related to a covered loss.
- Personal liability provides coverage for bodily injury and property damage claims for which you are legally liable.
- Guest medical provides coverage for minor injuries that occur on the premise, regardless of fault.
Renters insurance is very affordable, starting around $160 per year for a very good policy. Think about that for a moment: for about the monthly price of a few cups of coffee you can make sure your possessions are protected from fire, theft, burglary, vandalism, smoke, water and many other causes of loss.
Affordable Renters Insurance Quotes
Obviously buying renters insurance just makes sense. At Safeguard Insurance, we are property insurance specialists. We’ve been in business since 1998 and have decades of collective insurance experience. We can provide you with affordable renters insurance quotes from several “A” rated insurance companies. You can be assured we are providing you with the best value possible. Contact us for no-obligation affordable renters insurance quotes.