Do You Really Need Renters Insurance in Scotia, NY?

As a renter, you may think that you do not need to have renters insurance to protect yourself. While many landlords will not require you to get renters insurance, some will. Even if you are not required to, you may want to consider it for a variety of reasons. One of the best parts of renters insurance is that it is relatively inexpensive so it is not something that will set you back. it can, however, save you in a variety of circumstance. Continue reading to see you may want to consider getting renters insurance.

• Your belongings are not covered by the insurance your landlord has. If you rent a home or a condo, your landlord likely has some kind of homeowners insurance or condo insurance on the structure. However, if you want your personal belongings to be protected, you will be out of luck with their policies. Only renters insurance can cover you. 
• It can also provide you with liability coverage. That means that you will be covered if someone injures themselves on the property. It takes the liability out of the equation for you.
• It may help you in case of a disaster. If a flood happens at the property while you are renting it and you cannot reside there while it is being repaired, you may have to pay for those additional living expenses out of pocket without renters insurance. With renters insurance, though, it will help pay for that so you are not paying rent and the cost of a hotel room.
• It is affordable. Like previously mentioned, renters insurance is very affordable so there is no reason not to protect yourself and your belongings with a policy.

To get a quote for renters insurance or to explore your options, feel free to contact us today at DePaulo Agency in Scotia, NY.