Insurance isn’t just for homeowners; renters insurance also provides essential coverage by offering a great number of benefits if your belongings are damaged or stolen. If you live in Beech Grove, IN, and are in search of coverage, David R Johnson Insurance is poised and ready to help. The following are just a few advantages of having a solid policy in place.

Renters Insurance Offers These 3 Benefits

1. It Can Cover Injured Guests

If a guest is injured at your rental, you might be on the hook for any medical expenses incurred. With the right policy in place, you can rest assured that expenses will be covered, provided they are within the coverage limits. For most types of renters insurance, policy holders can expect coverage limits between $1,000 and $5,000 when it comes to medical costs.

2. It Can Pay for Temporary Room & Board

Let’s say your rental is damaged and uninhabitable until repairs are made. A renters policy can cover temporary room and board until you can return. A reimbursement for living expenses can be extremely helpful if repairs take a long time, especially if you must rent another apartment during the process.

3. It Can Cover Any Off-Premise Belongings

Many renters policies even offer coverage for belongings that are off-premises. Consider the example above; what would happen if your possessions were stolen while in a hotel? A comprehensive policy will afford a portion of the cost for lost or damaged items. In many cases, you can expect up to 10% of the total value to be covered.

As a proud representative of State Farm®, David R Johnson Insurance is dedicated to finding people in Beech Grove, IN, the insurance products they need to protect what matters most. Get an insurance quote today by calling (317) 782-8858.