Renters Insurance

Renters’ insurance can be a useful tool for residents to protect themselves and their belongings, but among consumers, there are many misconceptions and are unaware of what this insurance covered.

Some renters don’t know that they’d be covered if their dog bites someone, some were unaware that a rug ruined by an overflowing toilet is covered, some were unaware that a guest tripping and breaking a bone is covered, and some didn’t know renters’ insurance will cover temporary housing if a home is made uninhabitable by a fire in their neighbor’s apartment.

Some reason renters do not purchase renters insurance, assumed it would be too expensive or believe that their landlord would take the blame if something went wrong in their unit.

Cloverleaf Insurance plays a big part in helping renters learn about this insurance and the various coverage available. Cloverleaf Insurance talks about misconceptions on what it covers and what it doesn’t cover, as well as the affordability.

Cloverleaf Insurance recommends walking through each room with a camera. It is easy to forget about pots and pans, and the many clothes people actually have. The last thing renters want when they do have a claim, is to discover they only can replace half or a third of their belongings. That’s a pretty disappointing experience.

The number one tip from Cloverleaf Insurance is advising clients to not post photos when they’re on vacation, since that can entice thieves to visit their property. It’s not that you can’t post your vacation pictures or talk about it – it’s just that you should wait till you get home to do that. You’re in essence advertising to anybody out there that you’re not home. There’s also a lot of people relying on their neighbors to watch their apartment, and there’s only so much time they can spend actually watching.

Personal belongings are covered under a renters’ insurance policy, alongside temporary housing expenses and coverage for someone else getting injured on the property.

Having an insurance policy from Cloverleaf Insurance 1-800-530-5822 can cover you for those types of things.