Pennsylvania Renters Insurance
Lancaster, Reading, Harrisburg and surrounding areas
There are many advantages to living in a rental home or apartment. For one thing, the landlord is often responsible for maintenance and furnishing appliances. For another, you don’t have to worry about committing to decades of mortgage payments.
Still, you do have a responsibility to protect your stuff, and your living space. For a low rate each month, Pennsylvania renters insurance policies from Blue Marsh Insurance provide powerful protection for renters.
With renters insurance, you will be able to replace what is damaged or stolen.
Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.
However, Pennsylvania renters insurance does not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.
If you are forced out of your home because of a disaster your additional living expenses will be covered.
Renters insurance pays the reasonable additional costs of temporarily living away from your home if you can’t live in it due to a fire, severe storm or other insured disaster. It covers hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company.
Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.
Decide How Much Insurance You Need.
Add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for an inventory that will make filing a claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in safe place away form your home.
If you rent an apartment or house you need insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies.
Additional Resources
- What Apartment Floor Should I Live On?
- Why You Shouldn’t Forgo Renters Insurance
- How to Avoid Kitchen Fires
- Get more renters insurance related articles here.