Massachusetts Renters Insurance
Renters insurance is designed to protect you against damage or loss of personal property when you rent an apartment, condo, or home. Your landlord may have coverage to protect the actual structure in which you live, but that insurance does not cover your personal belongings. Also, you need to make sure your liability is protected as well.You can be sued, even as a renter, and whether or not they win, fighting that suit could cause you financial hardship. We offer many options for renters insurance with various coverage options.
To help you track your home and contents, we encourage you to log into www.knowyourstuff.org.
Do you need renter's insurance?
Thought you were covered by your landlord's insurance? Think again. You'll need renter's insurance to protect your belongings from perils like theft, vandalism, fire, and falling objects the minute you begin renting. According to recent estimates, nearly two-thirds of the 81 million people who rent their homes are uninsured for their contents or for any liability arising out of their tenancy. Don't be a statistic – get covered today!Massachusetts Renters insurance assures you that you're protected against the damage or loss of personal property when you rent an apartment or house. Your landlord may have insurance that protects the physical building in which you reside, but this insurance will not cover your personal property. In fact, it's not at all uncommon for landlords to require the purchase of renters insurance prior to renting or leasing.
Not only will Massachusetts renters insurance protect your personal items, it will also give you help with temporary housing and liability protection for people on your property. Massachusetts Renters insurance can help protect you in case of a liability lawsuit against you. This could occur in a situation where you are held responsible for:
- Injury to another person
- Damage to another person's property(whether the incident occurred within your rented residence or elsewhere)
What's covered in Massachusetts Renters Insurance?
Think of the costs associated with having to replace everything you own. What if you came home tomorrow and your apartment had burned down? Where would you go? How would you pay to replace your clothing, furniture, and appliances? When you ask yourself what renters insurance covers, you can say yes to all of the above.Renters insurance can cover virtually all of your personal possessions. Most policies provide coverage for electronic goods and equipment, small appliances, sports equipment, cameras and photography equipment, furniture, clothing, glassware and china, and books. Items such as computers, jewelry, furs, watercraft, and firearms can also be covered with extended protection. Your renters insurance policy will include:
- Personal property protection
- Family liability protection
- Guest medical protection
- Additional living expenses
- Additional protection