As a renter, you probably have a lot less responsibility than a homeowner. But you still own things and that means you need insurance to protect what you own and what you have. Life comes with risks and anticipating those risks and being prepared for them gives you peace of mind. At Stalwart Insurance in Pittsburgh, PA, we are committed to delivering insurance solutions. We work for our clients, not the insurance company, and we won’t stop until we make sure you get exactly what you want and need.
The biggest difference between renters’ insurance and home insurance is property coverage. As a homeowner, you need to insure the building itself. As a renter, since you don’t own the building you don’t need to cover it, that falls to your landlord. but, if you are assuming that your landlord has any insurance that protects you, you are misguided. Your personal items are your responsibility.
Renters insurance usually includes three types of coverage; liability, contents, and loss of use. All of these provide valuable protection.
Content coverage protects your furniture, electronics, clothes etc. They are covered in your rental and also when they are with you away from home. You have two options for coverage; the actual value, and the replacement cost.
Liability coverage protects you if someone is injured at your rental or by a member of your family. It pays for medical as well as legal expenses.
Loss of use will be a big help if your rental is damaged and you need a place to stay until your rental is habitable again. It pays for a hotel and a short-term rental if that is needed.
When you want to discuss renters insurance, Stalwart Insurance in Pittsburgh, PA is here to offer you the best products at a fair price.