Take a minute or two and think about how many valuable items you own—from laptops and TVs to jewelry. If you’re living in a rental property without insurance, you’re putting those possessions at risk. Since 1996, Lighthouse Agency Inc. of Fairfield, OH, has provided clients throughout the state with customized, affordable policies and protection against unexpected calamities.

One of the main benefits of renters insurance is that it covers the possibility of damage and theft. If a thief breaks in and steal your belongings or a fire destroys the apartment, you can submit a claim to recover the cost of your possessions. Ask your local renters insurance agent whether you should secure a policy to cover the cash value of the affected goods or their replacement cost.

Another advantage of renters insurance is the financial protection it provides should an injury occur on your property. Most policies have a liability component designed to pay for related costs if you or guests sustain bodily harm in your rental space.

Most landlords require potential tenants to purchase renters insurance before signing their lease. While landlords usually have their own policies to cover damage to their property, it won’t extend to your personal items. As an incentive, some managers offer a discounted rate if they see you have renters insurance in place.

A renters insurance policy can also cover your living expenses in the event of damage to your property. From meals and hotel stays to transportation and other related costs, your coverage will kick in while your apartment is being repaired.

As an independent firm, Lighthouse Agency Inc. has access to a wide network of leading insurance providers. The family-oriented company is committed to securing the best premiums for your budget without sacrificing reliable coverage.

If you’re in the market for renters insurance, call Lighthouse Agency Inc. today at (513) 860-9100 for free, no-obligation insurance quotes. For more information on their policies, check out the website.