Renters insurance provides a vital umbrella of coverage that protects several aspects of your life—from the belongings in your apartment to your savings account. Unfortunately, many renters are under the impression that coverage is too expensive, or that they don’t have enough belongings to need a policy. Below are a few reasons to talk to an insurance agent about renters coverage.

A Guide to Renters Insurance

Affordability 

Many people go without insurance simply because they overestimate how much their premiums will cost. In fact, most people can get all the coverage they need for just a few hundred dollars per year. Compared to the cost of replacing valuables if they’re stolen or lost in a fire, renters insurance is an excellent investment.

Protection

Your landlord has an insurance policy of their own, but that coverage usually only extends to the building itself. Your property inside is specifically excluded, which means you’ll have to replace your belongings out-of-pocket, even if they’re damaged in a covered event. Renters insurance ensures you can recover from a disaster like a storm or vandalism.

Liability

Renters insurance protects much more than your belongings. Many policies also include liability coverage, shielding you from expensive lawsuits related to damage you might cause. If your lawnmower kicks a rock through a neighbor’s window or a guest trips and falls inside your home, renters insurance will pay their expenses and your legal fees. Ask an insurance agent for a policy that includes liability coverage as well. 

As a dedicated insurance agent in Stafford, TX, JMS Insurance Agency offers comprehensive solutions to renters and homeowners throughout Fort Bend, Harris, and Montgomery counties. This independent agency works with the nation’s leading carriers to find a policy tailored to your unique needs. To speak with an insurance agent and request a quote, visit their website now or call their offices at (281) 494-1500.