Renters Insurance

Acquiring a renters insurance policy is essential if you rent a home, apartment or another type of dwelling. Renters insurance covers losses to your personal belongings inside the rented home and protects you from liability claims.

What Renters Insurance Covers

Policies can vary depending on factors such as dwelling size and homeowners association requirements, but a standard renters insurance policy might include the following:

• Possessions coverage
• Liability coverage 
• Additional living expense coverage

These plans can be tailored with additional coverage options such as: 

• Scheduled items riders. 

• Umbrella liability insurance. 
• Flood insurance. 
• Earthquake and windstorm endorsements. 

Contact Eckenrode Insurance Agency with additional questions about potential renters insurance coverage options.

Do I Need Renters Insurance?

Renters insurance needs vary depending on the tenant and requirements. Some landlords require tenants to have a renters insurance policy because they don’t want to be held liable for any damage to personal belongings. Additionally, some homeowners associations might require tenants to purchase and maintain a renters insurance policy. Regardless, having renters insurance is a great way to protect you financially when your personal items from becoming damaged, lost or stolen.

How Renters Insurance Claims Work

After filing a claim, an insurance provider will send a claims adjuster to investigate an accident and determine total damage costs. Depending on the claims adjuster’s investigation, you will receive a check to cover damage or recovery costs, subject to any deductibles or policy limits

Learn More

To learn more about renters insurance near Martinsburg, West Virginia, contact the agents at Eckenrode Insurance Agency today at 304-267-2100. We look forward to hearing from you.