Why Do You Need Renters Insurance In Killeen?

If you are considering moving into a rented house in Killeen, make sure you also buy a renters insurance policy as it may help you in the long run. Many people think that in case of any ill happening, they will be covered under the landlord’s insurance policy but this is not true. Their policy covers the structure of the house and not your belongings inside it.

Following are some benefits of investing in a renter policy:

• Protects your personal belongings: All the stuff in the house is covered under this policy and thus if there is any damage, you can claim it. You must evaluate all the causes of damage covered under a particular policy so you can estimate how safe you are in case of losses. Natural calamities like earthquake and floods are usually not included and if you live in an area prone to such disasters, buy a separate policy for such damages.
• The landlord’s requirement: Some landlords insist that their tenants buy such a policy as it assures them that their property will be in safe hands. Sometimes the landlord’s insurers also ask for such a policy so some part of the damage claim can be transferred on to the renter’s policy.
• It is not very costly: There are many insurance carriers in Texas, hence buying a renters policy may not be a costly hit on your pocket. Also, there are many things which can be deducted from the policy based on your needs, hence making renters insurance more economical.
• Liability coverage: This means that if a guest is harmed at your property, the insurance will cover legal and medical expenses for him. This will safeguard you in case of any injury or unfortunate accident in your rented home.
• Cover against all losses: You can also consider including travel time while covering various items. These items could also be inside your car and if damaged, they will be liable for claim. This protects you in case of theft etc. Check with your insurers about other such options before making a decision.
• Additional living expenses: Some policies also cover the expenses that you may incur in case you need to stay outside the premises due to incidents like fire, break down etc. All the temporary expenses like food, hotel etc. will be part of the policy.

We, at Shawn Camp Insurance Agency, Inc. provide affordable renters insurance in Killeen, TX. For more information, you can call us at (254) 526 – 0535.