Personal Liability Insurance: What Happens When Someone Gets Hurt on Your Property

Renters’ insurance is an important protection to have, even if you feel that you don’t need it! The coverage provided by renters’ insurance can vary from policy to policy, and it is important that clients thoroughly review what is and is not covered by their renters’ insurance. Renters are often surprised to learn that their apartment and belongings are not included in the coverage provided by their landlord’s policy.

Your Landlord’s Policy

Landlords, typically, only cover the actual building from damage, and it is likely that damage to your belongings will not be covered by the building owner’s coverage that will pay to replace or repair a leaky roof. However, most renters’ policies will reimburse you for the cost of having to temporarily relocate from an uninhabitable residence that has sustained covered damage. The agents at Vargas & Vargas Insurance are here to help determine the coverage you need to protect yourself from damage to your rental unit in the greater Dorchester, MA area.

Weather Incidents

Weather-related damage can be caused by excessive wind, hail, lightning strikes, and other acts of nature. There are ways to protect your rental home or apartment, and your belongings, should you suffer a loss due to the weather. It may be necessary to purchase additional coverage if your renter’s policy does not provide adequate protection, and the professional agents at Vargas & Vargas Insurance are here to help you through the process.

If you are in need of comprehensive renter’s insurance that includes protection from weather-related damage, please call us today, we are dedicated to meeting the needs of our clients in the greater Dorchester, MA area.