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

The agents at Vargas & Vargas Insurance serving the Dorchester, MA area are happy to explain the importance of having a renters insurance policy.

Many people who rent their home, apartment, or other types of home are under the impression that their landlord’s property insurance policy will cover their personal belongings, but that is not the case. While most landlords in Massachusetts are required to have property insurance on the properties they own, it does not cover the belongings of the tenants living in these places. This is why a renters insurance policy is so fundamental for all tenants to have in place.

Renters insurance will cover all of your personal belongings, such as your clothing and toiletries, furniture, appliances, and anything else you have purchased for your home. This means that if your house catches on fire, you will not lose everything you own because your renter’s insurance policy will assist you in replacing the items you lost and then getting back on your feet. A renters insurance policy can also assist you if a natural disaster occurs and destroys or damages the home you are renting or if the place is vandalized. A renters insurance policy can also assist you in paying for items that are stolen in a burglary.

To obtain an adequate amount of renters insurance for your situation, you will need to create a policy. Call the experienced and knowledgeable renters insurance agents at Vargas & Vargas Insurance serving the Dorchester, MA area today to obtain a quote and to get your renter’s insurance policy started!