Too many people forego the protection of renters insurance because they don’t know much about it. A standard policy offers a number of types of coverage that guard against a variety of misfortunes. If you’re a renter who’s underestimated the level of protection you’ll receive, here are some of the reasons to make buying a policy a priority.

3 Reasons Renters Insurance Is Essential

1. Your Landlord's Insurance Likely Doesn't Cover You

Most landlords’ policies only cover damages to the structure of the home and losses of personal property used to operate the rental business. For instance, if a fire damages the home and garage, the cost to restore the home and appliances is covered, as are the losses of any lawn care equipment the landlord may store there. However, your own furniture, electronics, clothing, and other belongings are not. To watch out for yourself, you need a renters policy.

2. It Protects You Against Liability

If you accidentally injure someone or damage their property, renters insurance pays for repairs or medical treatment. It also pays for any legal bills that might result from the incident. For instance, if your dog bites a neighbor, your renters policy will pay for the stitches and rehabilitation necessary—along with attorney fees and any judgment or settlement amounts if the case winds up in court.

3. It Protects Your Belongings Everywhere

Most people understand that renters insurance pays to replace losses due to storm, fire, vandalism, and theft. But many don’t realize that it protects you even when you're not at home. It also covers items stolen while you're on vacation or out of a car or storage unit. For example, if your laptop is taken from your hotel room while on a business trip, your policy will reimburse you for its value.

For expert help designing the right renters insurance policy for your situation, contact Ebert Agency in Foley, AL. They've served clients throughout Baldwin County since 1928. In addition to renters coverage, they also carry affordable auto, business, and homeowners insurance. Check out their website to learn about the agency or call (251) 943-2281 to request a quote.