Leave the Insurance to Us!
Renters insurance from Delsea Insurance Agency offers protection for your keepsakes and personal belongings. For more than six decades and as a local insurance agency, we have provided tenants in Glassboro, NJ, and surrounding areas peace of mind protection through renters insurance. If you’re shopping for renter’s insurance, congratulations on your smart decision. All too many tenants realize too late that their landlord’s insurance policy doesn’t offer protection for their personal belongings. While a landlord’s insurance policy covers the building, it excludes an apartment-dweller personal property and doesn’t cover the tenant’s liability. Call us for more information at (856) 881-6930.
What Renters Insurance Covers
Renters insurance is intended to protect a tenant’s personal property, first and foremost. But it goes further than that by offering personal liability protection in the event you are sued because of an accidental injury to another who is a guest in your apartment. A renters insurance policy offers coverage for loss or damage due to a covered peril, such as a windstorm, lightning, fire, hail, accidental water damage, smoke, vandalism, and theft.
The three main areas of coverage that renter’s insurance protect for include:
Personal Property Coverage: This includes your personal belongings, valuables, and keepsakes, such as clothes and footwear, furniture, dishes, silverware, electronic equipment, and jewelry.
Personal Liability Coverage: If a guest sues you after becoming injured in your apartment, personal liability coverage as part of your renter’s insurance policy provides coverage for said financial damages. It may include legal defense costs as well.
Reimbursed Living Expenses: Should your apartment become uninhabitable because of a covered loss, renters’ insurance can cover the expenses relating to a temporary place to live as well as food expenses.
Optional Renters Insurance Policy Coverages
In addition to the three main areas of renters insurance coverage, optional coverage may be added, including:
✰ Guest Medical Protection: Like personal liability, should someone be injured in your apartment, you have coverage for medical expenses related to the incident that occurred in your apartment.
✰ Animal Liability Coverage: If the apartment that you are renting allows pet and your pet damages property within your apartment or injures a guest while in your apartment, animal liability can help provide coverage for your losses.
Examples of Renters Insurance
Lightning causes an electronic surge that fries your computer.
A burglar breaks into your apartment and steals your jewelry.
A frozen pipe causes water damage and destroys some of your personal possessions.
The apartment building itself is engulfed in flames, and your personal belongings are damaged or destroyed.
A guest slips on your bathroom floor and suffers an injury that needs medical attention.
You have a toaster fire that destroys your appliances.
Talk to a Delsea independent agent today by calling us at (856) 881-6930.