Renters insurance is something that many people in Overland Park, KS overlook. That can be a big mistake. Given the fact that it is very affordable, it is something to seriously consider if you are a renter. In most cases, your personal property is your responsibility to protect from damage and theft and if you choose the right policy, you can protect it when you are in your home and even when you are away. You don’t want to be calling HighPointe Insurance Services LLC after the damage is done.
Basically, there are two types of renters insurance, named perils and all risk.
Named perils
With this type of insurance, the policy is limited to the named perils. If it isn’t named in the policy, it isn’t covered.
All risk
As the name implies, this policy covers pretty much any eventuality. As with a homeowner’s policy, there are some things that will not be covered. It is up to you to read your policy carefully and be aware of what limitations it may have.
No matter which policy type you choose, there will be money limits. If you own anything that is of value such as art, high-end electronics or jewelry, you may want to consider additional coverage for these items. Above and beyond your personal property, your renter’s insurance offers you liability insurance which can protect you if you happened to be sued by someone who was injured at your property. The policy will also have loss of use coverage which can help you if you are required to leave your apartment or home temporarily.
If you are renting in the Overland Park, KS area, HighPointe Insurance Services LLC can help you find a policy that will protect you and your personal property from all the mayhem out there.
