If you’re about to sign a rental lease on a house or apartment, you may want to consider purchasing renters insurance. While your landlord’s property insurance covers any damages to the building, it does not cover your personal belongings. Serving residents of Sheffield Lake, OH, for over 60 years, the experienced agents at Custis Insurance Service offer a wide range of customized insurance programs at affordable prices.

Below, these professionals share a few reasons why you should purchase renters insurance:

• Property Protection: In case of an emergency, your landlord’s insurance only covers damage to the building. Renters insurance covers any losses to your personal property, whether it’s due to a natural disaster or a burglary. Personal property includes clothing, electronics, furniture, and jewelry.
• Liability Coverage: If someone is hurt in your home or you accidentally injure someone, your landlord’s property insurance does not offer protection. Renters insurance provides liability coverage, which includes medical expenses, court judgments, and legal expenses.
• Emergency Living Expenses: In the case that your home suffers from a disaster that leaves it uninhabitable, your renters insurance can cover your emergency living expenses. This includes temporary accommodation and food, depending on the premium you choose. 

Renters insurance is an inexpensive way to protect yourself, usually costing no more than a couple of hundred dollars a month. The exact cost depends on your location, the amount of your deductible, and how much coverage you choose.

If you’re shopping for renters insurance, enlist the help of the agents at Custis Insurance Service, so you can find a policy that meets your budget and needs. Call (440) 949-7171 to schedule an appointment today, or visit their website for more information about their comprehensive list of personal and business products and find out how you can get an insurance quote.