If you rent a home or apartment, you may think that your landlord possesses all the insurance necessary to protect you when property damage or another wintertime emergency occurs. However, most owners typically only have enough insurance to cover damage to the physical structure—not to you or your belongings. Fortunately, renters’ insurance is an affordable way to ensure you’ll be taken care of in the event of a fire, severe weather, theft, or other serious matters.  If you want to enjoy a stress-free season, here are a few ways that renters’ insurance could protect you during the holidays.

3 Ways Renters’ Insurance Can Help During the Holidays

1. Protects Belongings

There are many different ways that your personal property can become damaged or compromised during the winter season. For example, burglars may target your home in an attempt to steal expensive holiday gifts, such as jewelry or electronics. In other cases, cooking meals in the kitchen or lighting up holiday decorations may spark a fire that ruins your belongings. In these situations, renters’ insurance will cover your property up to a specific amount that is determined when you open the policy.

2. Provides Living Expenses

If a tree falls down on your roof during a winter storm or a fire compromises your home, you may not just lose your personal property—you may also temporarily lose the place where you live. While not having a safe home to live in is never an ideal situation, it can be particularly worse in the winter when the weather is cold and you had plans to enjoy the holidays. Fortunately, renters’ insurance can help cover the costs of your hotel accommodations, clothing, food, and other living expenses until you find a new place to live or until your current rental is repaired.

3. Covers Personal Injury Costs

Having family and friends over is a common way to celebrate the festivities of the holiday season. However, if any of your guests are injured on your property during these events, your landlord may not be held liable for the resulting medical costs. In many cases, you will be held responsible for the incident and may be required to cover medical fees if the injured party seeks legal action. With renters’ insurance, you can trust that applicable personal injury claims will be covered—and you won’t be left with the bill.  

Despite the immense protection that renters’ insurance offers, the cost of a policy is incredibly affordable—especially when you open a policy with Wilson Insurance Agency. Located in Dalton, GA, this local insurance agency is equipped to help you find the right amount of protection for your needs and your budget. Should an accident occur, this team will also be with you every step of the way to make the claims process as simple and stress-free as possible. To learn more about all of the affordable insurance coverage they offer, visit this friendly agency online. For renters’ insurance quotes, call (706) 278-0549.