Many people who rent a home or apartment forego purchasing renters insurance because they believe their landlord's property insurance policy protects them. In fact, this is almost never the case, as only the structure itself is covered under the owner’s policy. You need a renters policy to protect yourself against unexpected losses. A renters policy does even more for you, though. 

3 Unexpected Ways Renters Insurance Protects You

1. Dog Bite Liability

Anyone who has a furry friend knows that dogs can be unpredictable. Even normally friendly and passive dogs can take an unexpected dislike to someone—or their pet. Renters coverage contains bodily injury and property damage liability components that pay for medical treatments if your dog should bite, scratch, or otherwise injure someone or damage their property. It also pays for any legal fees that might arise out of the incident.

2. Vacation Losses

Most people realize that renters insurance covers losses to your property if it should be damaged or stolen from your home. However, it also covers thefts that occur while you're traveling. For instance, if you’re on vacation or a business trip and a thief steals your laptop computer and expensive headphones from your hotel room, your policy will reimburse you for the value of the stolen items.

3. Additional Living Expenses

People whose homes are rendered uninhabitable by fires or storms face a number of unexpected living expenses they may not be prepared for. For instance, they need a place to stay, a place to prepare food, and a place to wash their clothes. To that end, a renters insurance policy pays the cost of these necessaries above and beyond what you'd pay while living at home. Therefore, your insurer will make up the difference if you must pay for a hotel room, restaurant meals, laundry service, and even certain personal care items.

To discuss your renters insurance options with a friendly, experienced insurance agent, contact Blocker Insurance Agency in Cleveland, GA. The agency has served clients in and around White County for more than a decade and also specialize in auto, home, business, health, RV, and life insurance. Visit their website to learn more about their services or call (706) 865-1072 to request a quote.