Just because you’re not a homeowner doesn’t mean you don’t need coverage to protect you and your possessions. Similar to homeowner’s insurance, renters insurance protects you when the unexpected happens – theft, fire, water damage, and other circumstances that your landlord’s policy doesn’t cover.
At American Insurance Associates, we help you get the renters insurance coverage you need at a price you can afford. We work with the top insurance companies in Colorado and compare rates to give you a quote that works with your budget. We look for all available discounts, and we’re here in Castle Rock to provide that local, personalized service that you just can’t get from those online insurance sites.
What Does Renters Insurance Cover?
Renters insurance provides coverage up to specific limits that you select for items in your rented home or apartment, as well as specific situations including:
Personal Property – Coverage for items of value in such as furniture, electronics, clothing, and jewelry
Personal Liability – Coverage if someone is hurt, whether you’re in your home or away from it
Damage Caused by a Covered Loss
The unexpected can happen to anyone. With proper renters insurance, your personal property will be covered if it is lost due to:
- Smoke Damage
- Water Leakage or Overflow
- Collapse of the Structure Due to Weather
Renters insurance can also protect you if there is an incident that occurs for which you are liable, such as a friend slipping and falling while visiting you.
Don’t Rely on Your Landlord’s Insurance
Your landlord must have insurance to cover the building structure. However, he or she is not responsible for your personal property. Having renters insurance is essential for providing the financial protection you need if your possessions are stolen or destroyed, as well as liability protection if someone is injured in your rented residence.
Before You Purchase Renters Insurance
Take the time to take a full inventory of what you own to determine the amount of coverage you need. At American Insurance Associates, we will work with you to ensure you get the best rate available.
Your Castle Rock, Colorado Insurance Specialists
Because we’re local, we’re here for you when you need us with personalized service and answers to all of your renters insurance questions. Are you purchasing a home in the future? Don’t forget that we also provide affordable quotes on homeowner’s insurance, as well as auto, health, and life insurance.
Call us for a FREE quote at 303-663-1555.