Weather events have been causing tremendous destruction all over the country, affecting homeowners and renters alike. Are you safe from the devastation that could be coming your way? At Will Wright Agency Inc. in Decatur, AL, we give our customers the options they need to feel confident they are protected. 

As a renter, you may not realize that your landlord doesn’t have any coverage for your personal property. They definitely have insurance, but their insurance covers their property and possessions, and you are on your own when protecting yours. 

Rental content coverage

Your rental is filled with your personal possessions. Try to imagine losing all of them and having to replace everything without any financial help—a pretty daunting thought. Your clothes, electronics, furniture, jewelry, and collectibles are all gone. Rental content insurance will help you replace what you have lost. You have choices. You can choose the current value or replacement cost, whichever is right for you. 

Rental liability coverage

If someone is injured in your rental or by a family member away from your rental, you could be liable for medical costs and might even get sued. No one wants to think that friends will sue them, but it happens. Your rental liability coverage will cover the expenses up to your policy’s limit and even pay some legal costs. 

Loss of use

If your rental is damaged by a covered hazard, your renters’ insurance will help pay for a place to stay until it is habitable again. It may even pay for some meals if you are unable to cook. Understand, however, that you will need to have flood insurance to be covered for flood damage. 

Contact Will Wright Agency Inc. in Decatur, AL, if you need rental insurance.