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Are you a first-time renter? While it’s exciting to live on your own, you should also be aware of the risks. If all your belongings are lost or damaged in a fire, theft, or disaster, you’ll be obligated to replace them all unless you have a quality renters’ insurance policy. The following guide will explain why you need this essential coverage.

Why Do You Need a Renters’ Insurance Policy?

1. Your Landlord’s Insurance Doesn’t Cover You

While landlords must insure the buildings their tenants live in, these policies only cover damage to the structure itself. The items you bring into the unit are your responsibility to cover — some landlords even mandate that tenants have a renters’ policy to mitigate liability concerns.

2. You’re Liable for Injuries in Your Apartment

Even though you don’t own the building you live in, you’re still liable for any damage incurred by thirds parties within your apartment. This is especially pertinent if you have a dog, as dog owners can be sued if their animals cause injuries to another person, but having the right insurance plan can protect you financially.

3. It’s Expensive to Replace All Your Belongings

renters insuranceIf all or most of your belongings are a total loss due to a fire or other disaster, you’ll be responsible for replacing them. Even if you don’t feel your items hold high monetary value, consider how costly it would be to replace all of them at the same time. A renters’ policy provides funding for the repair and replacement of your items damaged by fires and other perils. 


If you’re looking for a reliable renters’ insurance policy in Kalispell, MT, contact the experts at Grachek Insurance. With more than three decades of experience, they are ready to help. Because they’re an independent agency, you’ll benefit from their strong working relationships with widely respected carriers. As a full-service insurance company, you can conveniently shop for other products, including auto and motorcycle insurance. Visit the website to request a free quote, and call (406) 755-4000 to speak with an agent.

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