Nova Scotia Renters Insurance
Do you need Renter’s Insurance?
Call it what you want, Contents Insurance, Personal Property Insurance or Renters Insurance you need it if you rent a property from someone else. What most people don't realize is that Renters Insurance covers more than just your 'Stuff'! Most landlords these days will ask you if you have Renters Insurance or tell you, you need to have it. Some of them are genuinely concerned that you protect yourself against property loss but most of them have an insurance company crawling down their back to ensure that all their tenants have renters insurance. Why? So if something happens and causes a loss to the building and it is not the building owners fault, they can sue you for the damages. Something as simple as a candle on a table or a pet chewing on something that they shouldn't be chewing on can cause a fire, which could destroy your apartment or worse yet the entire building. That is your fault and an insurance company can seek to recoup the losses to the building from you and with out Renters Insurance, you are in big trouble.
What does Renters Insurance Cover?
Renters Insurance will help you rebuild your life after a loss. It will replace your personal property things like your clothes, furniture and other personal belongings. Renters Insurance also can help pay for any additional costs that may arise from you being out of your apartment while it is being repaired. Things like hotel bills, restaurant bills and moving costs are all claimable in the event that your put out of your apartment because of a claim.
Renters Insurance also includes liability coverage, which might be the most important part of the policy. Something as simple as a friend coming into your apartment and falling down could be your fault, and without tenants insurance you're on the hook.
Renters Insurance can be very inexpensive!
If you have auto insurance and you add a renters insurance policy to your insurance portfolio you can receive discounts off you auto insurance which will almost pay for the tenants Insurance!
Don't leave yourself at risk any longer take a moment and complete our Free Renters Insurance Quote Form and allow one of our Insurance Specialists find the best Renters Insurance possible for your situation.