If you plan to rent a home, condo, or apartment in North Carolina, you can benefit from renter’s insurance to protect your valuables. Even if your landlord has insurance protection, his policy won’t cover your personal effects, leaving them susceptible to theft or loss in the event of a disaster. A renter’s policy from Cafegency Insurance will protect your interests by offering the following coverage:
Like most people, you’ve probably accrued quite a few valuables over the years, ranging from designer clothes to pricey electronics. Property insurance will protect these goods from theft or damage to avoid financial loss. You never know when a disaster will strike, causing significant damage to your goods or even total loss. Renters insurance helps cover the cost of repairing or replacing your assets so that you can recuperate your losses.
Liability insurance protects you against accidental injuries on your rental property. If a neighbor slips on your patio steps and cuts his head, liability insurance helps pay for his medical costs. Liability insurance can protect you from slip and falls, injuries from sports play in the yard, pool accidents, dog bites, kitchen mishaps, and more.
Liability also covers accidental damage to a visitor’s property. If your teen dents a visitor’s car while playing soccer in the yard, your liability insurance will help cover repair costs. Accidents can happen at any time, even if you maintain a safe home environment. If you have visitors to your rental home often, it’s in your best interest to have renter’s liability coverage.
North Carolina is prone to natural disasters like tornadoes, hurricanes, and lightning strikes, which can cause severe damage to a home. If you’re forced to leave your rental property temporarily due to disaster damage, additional living expenses coverage will help pay for your hotel, meals out and other living costs.
To purchase a renters policy in North Carolina, call or visit Cafegency Insurance.