At Highpoint Insurance Group, we help Dadeville, AL, area renters get the insurance they need to be safe. But what happens if you don’t get an insurance policy when renting a home?
Why Renters Insurance is Wise
While there is no law saying that renters need insurance for their homes, it is almost always a good idea to get a policy that covers you. Why is that the case? Let’s look at a hypothetical example of what could happen to you if you don’t pay the small money necessary for a renters insurance policy.
You’re renting a home from your landlord, and things are going fine. However, a storm hits one day, and the house gets leveled due to a tornado. The landlord’s homeowners policy will cover the structure and replacement of the home. But not your items – that’s what your renter’s insurance policy covers.
So, instead of getting financial help from your policy, you end up having to pay for replacing things like your bedding, all of your electronics, and much more. Many people never fully recover emotionally or financially in a situation as damaging as this one.
That’s why it’s better just to set up a renters insurance policy, even if your landlord doesn’t technically require it of you. Doing so will help to pay for any of the problems you might otherwise experience and help you recover after a serious issue – it can even pay for minor issues, as well.
Coverage is Worth Paying For Your Protection
If you are renting your home and you want to avoid severe and unnecessary complications, make sure that you get renters insurance right away. Then, contact us at Highpoint Insurance Group, and we can serve your Dadeville, AL area needs. We’ll do what we can to help keep your goods safe.