Did you know that there is an affordable way to make sure that your belongings are covered and that you are protected from unexpected damages and/or injuries?  There is.  It is a little thing called renter’s insurance and it is incredibly affordable.

So what does it cover?  Well, different carriers will offer different types of coverage, but in general it would cover things like your belongings, your apartment and guests in case of mishaps or accidents and most of the time even the expenses for a hotel should your apartment become uninhabitable due to damages.  Again, these things will vary.

Yes, your landlord already has insurance but the thing is, his insurance will more than likely only cover the property itself and not what you have inside of the property.  However, renter’s insurance will cover most everything from your wardrobe and furniture to your electronics and even more.  Some carriers will even reimburse you for what they would cost to purchase now too, as opposed to what they cost when you paid for them.

If someone gets hurt in your apartment, they will be able to get the care they need.  If you cause any damage to the apartment, it can also be covered.  The damage might be able to be repaired by you paying your deductible and your renter’s insurance policy taking care of the rest. 

If you aren’t able to stay in your apartment while damage is being repaired, you may even be able to be reimbursed for the cost of the hotel.

If you are in the Buena Vista, VA area and have questions about renter’s insurance and what type of coverage is offered in your area, call or come by Stonewall Grace Insurance.  There are friendly and knowledgeable agents ready to answer all of your questions and get you covered.