Did you know your landlord’s insurance policy does not cover your personal belongings if something should happen to your apartment building? Fortunately, you can purchase renters insurance—often for a low premium—to cover unexpected events. Renters insurance will give you peace of mind, and Wilmoth Insurance Agency of Cookeville, TN, has the right policy for you.

What Is Covered Under a Renters Insurance Policy?

The main reason to have your own policy is to cover your personal property in the event of a fire, smoke damage, flood, earthquake, or theft. If any of these cases, your renters insurance policy will pay to replace your damaged belongings. 

Renters insurance will also cover you in the event of liability. So if someone gets hurt in your unit, the policy will cover the damages. These could be hospital bills or money to pay for a lawsuit. 

Finally, your policy may also pay for you to relocate in the event a disaster makes your apartment unlivable. You’ll be able to stay in a hotel temporarily and know it’s paid for thanks to your coverage.

Why Do You Need a Renters Insurance Policy?

No one ever expects a fire or break-in, but without insurance, even an unlikely event could leave you on the hook for a great deal of money to replace your lost or damaged items. Renters insurance is one of the best deals around: You only have to spend a little to ensure you’re fully protected.

To find out more about personal insurance from Wilmoth Insurance Agency, call their office in Cookeville at (931) 526­-6181. You can also check out their website to learn about their products, including auto and life insurance.