Renters Insurance

318 Insurance Renter’s Insurance

If you’re in Louisiana, then you know how important it is to have the peace of mind that your home is safe and protected. 318 Insurance provides the protection you need for your home, even if you’re renting. However, some residents may be hesitant to get started with renter’s insurance because they simply don’t know that much about it or how it works. We’re here to help answer some simple renter’s insurance questions.

What is Renter’s Insurance?

Renter’s insurance is simply an insurance policy that covers those who are living in a house or apartment. The coverage provides some of the same things that homeowner’s insurance covers but not all of them. Read on to see just exactly what is covered with renter’s insurance.

What Does Renter’s Insurance Cover?

Renter’s insurance may provide coverage for your personal belongings, like clothes and electronics. If damage was made to your personal belongings, you may be entitled to some coverage that’s not over your policy’s limit. You also may be eligible for liability coverage in the case that someone else’s personal property is destroyed or if they are injured. If your rental residence is left damaged and you can’t stay there, you may be entitled to have certain hotel expenses or other living arrangements paid for.

What Does Renter’s Insurance Not Cover?

What your renter’s insurance won’t cover depends on the policy that you have. Obviously, nothing over your coverage limit will be paid for and you will have to cover out of your own pocket. Usually, if there is damage to the building you are renting, that is something that will not be covered by renter’s insurance. To find out everything and anything that renter’s insurance covers and does not, visit 318 Insurance to get counseling on what coverage plan would work best for you.

Get Coverage with 318 Insurance

Now that you know a little bit more about renter’s insurance, it’s time to take the next step. 318 Insurance will help you get the best renter’s insurance and explore all of your options in Louisiana. Contact us today to help you get started!