If you rent your home or apartment, you may have chosen not to purchase renters insurance in the belief that your landlord or rental agency's insurance policy will cover you in the event of a fire, break-in, or other event that results in your belongings being damaged, destroyed, or stolen. Unfortunately, that is usually not the case. Kramer-Myers & Werring-Dickerson Insurance, one of the premier auto, life, and home insurance specialists in Batavia, OH, want to help protect yourself by explaining why renters insurance is so important.

Here are three reasons why having a solid renters insurance policy is just as important as having auto, life, and home insurance:

• Liability: Renters insurance protects you against liability in case someone is injured or suffers property damage at your home — or elsewhere if you, your pet, or a family member is found at fault. It pays your legal bills, including court costs, lawyer fees, and judgments against you.
• Damaged Or Stolen Property: Renters insurance protects you in the event that your property is damaged, destroyed, or stolen. Even a minor fire can leave furniture damaged by smoke, water, or firefighting chemicals. Vandalism and theft are common in some areas, and plumbing emergencies can lead to serious water damage. Thus, renters insurance is just as important as auto or home insurance, and should be part of your financial plan.
• Additional Living Expenses: Renters insurance covers the expenses you incur if your home or apartment becomes uninhabitable due to fire, storm, or other emergencies — hotel rooms, meals, laundry, and other living expenses are typically included, though coverage varies by provider.

Flood and earthquake damage are not usually covered under renters insurance policy, though you can buy separate coverage for such emergencies.

Kramer-Myers & Werring-Dickerson Insurance, one of the most trusted auto, life, and home insurance specialists in Batavia since 1960, offer meticulous personal service and work tirelessly to offer you the best coverage at the most affordable prices. They are proud of their long-term client relationships, which they credit to a focus on learning and meeting customer needs. Contact them before buying renters, auto, life, or home insurance. Visit their website, or call (513) 732-1461 to learn more.