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Renters Insurance Protects Your Personal Property

Are you a renter in the Omaha, NE area? If so, Insurance Solutions LLC can provide you with the insurance all renters need.

What is renters insurance?

It protects your personal belongings against loss or damage and protects you in case someone is injured while on your property. The premiums are very affordable, averaging between $15 and $30 per month, depending on your location, the size of your rental unit, and your possessions.

Remember that your landlord’s coverage is for the structure of the building. It will not insure your personal property. Some people assume that their owner/landlord has insurance coverage that protects them against loss, therefore choose to go without this coverage.

Your personal possessions that you have worked hard to acquire should be insured against damage or loss. If your home or apartment becomes uninhabitable due to damage, some policies will cover the cost of a hotel and other living expenses.

There are two basic renters insurance policies:

  • The broad form covers personal property against events such as theft or fire. This is more commonly purchased. Typical coverage under this type of insurance covers damage from lightning, fire, smoke, explosion, theft, vandalism, and water-related damage from property utilities.
  • The comprehensive form provides more extensive coverage for a variety of events unless specifically excluded by the insurance policy. The premiums for this policy could be higher. If you live in an area prone to flooding or violent storms, you will need to purchase a policy that addresses this concern.

Reach Out To Us

Make sure your personal possessions are protected. For just a few dollars a day or less, you can ensure that if something happens in your rental unit, you will be able to replace all your belongings.

Insurance Solutions LLC in Omaha, NE can provide a quote or answers to any questions you may have. Contact us today.

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