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Renters / Condo Insurance at BMR Insurance Agency
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Renters insurance is homeowners insurance for people who rent. If you rent your home, whether it is an apartment, house, condo, or duplex, a renters insurance policy will protect you and your possessions. Like homeowners insurance, a renters policy, sometimes referred to as an HO4, protects you in unfortunate situations, where you are affected by fire, theft, water damage, and other circumstances that your landlord’s policy does not cover.
Renters insurance policies usually provide coverage for items and situations which include:
- Personal Property – like your furniture, electronics, and clothing
- Personal Liability – in the event that someone is injured
- Damage to Your Apartment – if the damage is caused by a covered loss
You can’t rely on your landlord’s insurance to cover your valuables — landlord insurance only covers the building structure and not your personal property. But whether you are at home or away, renters insurance policies can protect you from mishaps because it provides coverage for your own items, damages, and other people’s injuries.