Reasons to Get Insurance Even if You Rent

Far too often, people in the Las Vegas, NV area think if they don’t own their home, they don’t need insurance. However, this concept puts people who rent at risk of losing out in the event of an incident such as theft or a storm occurs. At Stevens Insurance, we offer policies designed to accommodate the specific needs of renters. 

1. It Covers Personal Property

Much of what you have invested into your home is probably your personal property. Fortunately, you can protect all of your property in the event something happens by having a renters insurance policy. Keep in mind, you can purchase additional coverage for your property that covers in the event of incidents that pertain to your needs such as flooding. 

2. It Provides Liability Coverage

Don’t think just because you rent, you aren’t responsible for your actions. Renters coverage protects if somebody should get hurt while they’re in your home. It also protects if you should happen to hurt someone. 

3. It May Cover You When You Travel

If you’re going on a vacation or a business trip, your renters insurance policy comes in handy. For instance, if your belongings are stolen while you’re traveling anywhere in the world, they’re covered.

4. It’s Sometimes Required

Your landlord may require you have renters insurance in the event something happens. This takes the burden off of the landlord, especially if an incident should happen to be your fault, and it protects the landlord from being responsible for your possessions. 

If you don’t want stuck footing the entire bill to replace your damaged property or someone else’s, it’s a smart idea to have a policy to cover yourself even if you rent. Contact Stevens Insurance, serving Las Vegas, NV and the surrounding area, at 702-648-9689.