Many renters mistakenly believe their belongings are insured under their landlord's home insurance policy. This is usually not the case, and it leaves many people vulnerable to misfortune. Texas County Mutual Insurance, the most established and respected sellers of home insurance, farm insurance, and renters insurance in Licking, MO, explain why it is important for renters to purchase insurance of their own. Since 1904, this independent, full-service agency has helped area businesses, farms, and individuals design insurance policies that meet their needs and fit their budgets.

3 Important Reasons To Buy Renters Insurance

1. It Protects Your Belongings

Home insurance protects your landlord against damage to their real estate and personal property. To protect your own personal property, you need to purchase renters insurance. It compensates you in case of loss due to theft, vandalism, storm damage, fire, lightning, or water damage due to malfunctioning household appliances

2. It Protects You Against Liability

Not only does renters insurance protect you against theft and property damage, but it also protects you against the costs of liability should you be found responsible for injury or property damage to others. In such cases, your insurance pays for legal fees, court costs, and judgments against you up to the agreed amount.

3. It Covers Additional Living Expenses

Renters insurance also covers the costs of additional living expenses should your home become uninhabitable due to storm, fire, or lightning damage. For instance, most policies cover your hotel stay, the costs of dining out, and the expenses incurred for laundry and personal care. The length of coverage and maximum payout amounts vary by policy and insurer.

Texas County Mutual Insurance, the most qualified home insurance, farm insurance, and renters insurance agents in Licking, MO, have the expertise and experience needed to help you understand the complexities of the insurance market. They can help you choose a policy that protects what you value most at a price you can afford. Visit their website for contact information, or call (573) 674-3125 to speak to a friendly professional about affordable insurance quotes.