When renting a property, landlords only insure the items they are responsible for. So while the property itself and your landlord’s possessions are protected, your furniture, electronics, and other possessions are not. Minuteman’s affordable Renters Insurance can protect you in a number of ways:
- Options to cover repair or replacement costs to your property,
- Protect you fromliability damages in case your guests have an accident, and
- Pay for other accommodations if you need to vacate your rental space during repairs.
Do you need Renters Insurance?
You’re not required to purchase Renters Insurance, but landlords can only insure assets they own. Your landlord’s insurance does not cover any of your expenses if a rental home or apartment is rendered uninhabitable, a fire destroys all your belongings, or an accident makes you subject to a liability claim.
For example, if your heating breaks down in the middle of winter, your landlord should have insurance to get it repaired, but you would be responsible for the hotel bill if you could not stay in your home. Renters Insurance protects you in these kinds of circumstances.
Minuteman’s affordable policies are ideal for private renters with valuables they want to insure or who have guests and want liability protection.
What does Renters Insurance cover?
Personal Property—Your landlord’s property is covered by their insurance—but your property, such as your furniture, is covered by Renters Insurance.
Liability and Medical Expenses—If one of your guests has an accident in your residence, Renters Insurance will cover their medical fees and liability damages or legal fees.
Living Expenses— If an accident or other specified loss leaves your home uninhabitable, insurance will step in to cover the costs of a hotel while your home is being repaired.
Why choose Minuteman for your insurance needs?
You work with a trusted local team
Our advisors understand your concerns and circumstances.
You get the most economical quotes and service
We review many insurers simultaneously to see who is offering the best insurance rates. Our market analysis gets you the most cost-effective coverage, so you can rest easy.
Our claims specialists are on your side
When you have to make a claim, we know how stressful it is. We will work with you to get your claim together with considerable speed and accuracy. If an initial decision goes against you, we will stand on your side to help overturn a poor decision.
Do not rely on your landlord, ensure peace of mind and talk to us about Renters Insurance.
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