When you rent a place, you may not think a lot about renters insurance. But, renters insurance is essential to equip your valuable belongings with protection against potential dangers.
Whether your rented home is a quaint property in the outskirts or a bustling apartment in Columbia SC, the importance of insurance for renters remains the same. Frequently, individuals think they will be covered under their landlord's insurance policy. But, this is sadly mistaken.
Landlord's insurance generally covers the building and any appliances or fixtures. But, this does not include a renter's personal possessions in the event they were damaged or stolen.
That is to say, if a disaster like a fire, burglary or flood damages or destroys your belongings, it falls on your shoulders to replace your damaged goods, unless you have a renters insurance in Columbia SC renters insurance policy to cover you.
Getting coverage for renters could provide protection against potential liability claims. Let’s say, if a guest gets hurt while visiting your rented home and decides to sue, you can lean on your renters insurance for help with legal fees and potential claims.
To sum up, renters insurance offers much-needed protection for renters, and it could be a valuable investment. Whether you rent in Columbia SC’s downtown or in its suburbs, it’s time to consider protecting your possessions with renters insurance.