If you’re like most Pennsylvanians, you probably rent an apartment. However, while many people in the state are renters, not all of them protect their stuff with renter’s insurance. Unfortunately, not having insurance can be disastrous.
Thankfully, SteelKey Insurance LLC has many coverage options so that you can get the best protection. Whether you’re renting a house or an apartment, having the right policy is going to save you a lot of pain and hassle later on.
What is Renter’s Insurance?
Renters insurance protects you and your belongings. If you owned property, these things would typically be covered under a homeowner’s policy. However, since your landlord is the owner, you need additional protection.
What Does Rental Insurance Cover?
At SteelKey Insurance, our policies can cover a wide array of situations. Most renter’s insurance plans can be broken down into four coverage options.
- Personal Property: If your stuff is stolen or damaged, you can file a claim so that you can replace everything. Typical situations can include fires, theft, or flooding.
- Personal Liability: If someone else gets injured while inside your place, liability insurance will help cover any costs related to the injury. Also, if that person decides to sue you, this policy can protect you financially.
- Additional Living Expenses: If you can’t stay at your apartment for any reason (natural disaster, fumigation, etc.), ALE insurance will help cover lodging expenses.
- Medical Payments: Another part of liability insurance may include medical payments for the injured person.
Does Pennsylvania Law require Renter's Insurance?
Although there is no law saying that renters have to have insurance, many landlords require it in their lease agreements.
Contact SteelKey Insurance LLC Today
Don’t wait until something happens - contact us and find the right policy for your needs. You can call us anytime or come in to speak directly with an agent.