Renters Insurance

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Many uninsured renters are under the mistaken impression that their landlord’s policy covers their possessions. A house owner does not provide insurance for renters as personal property. As an exception to this can occur if the owner was aware of a prior hazardous condition, failed to correct it in a reasonable time frame, and as a result, your property was damaged.

According to law, the building owner is required to maintain insurance on the dwelling you rent. it means building itself is insured, and should something happen to this structure as the result of the fire, water damage, etc, the building owner is entitled to file a claim to authority. However, the landlord's insurance does not protect you as a renter. If this same fire or water damage should ruin your sofa, clothes or other personal items, you are not protected against the loss of these items unless you buy a renters insurance policy. in case of any mishappening there in your rented house, you could potentially be held liable for any medical and hospital expenses. so, protect yourself and your belongings, renters should consider purchasing renters insurance, also known as "tenants insurance." which is less expensive than others, it's cost approximately $300 for one year or according to your worth of property. After getting insured you will get benefited if any losses, like -

  • Personal Property
  • Loss of Use
  • Personal Liability
  • Medical Payments to Others Loss or damaged. caused by - Fire, Smoke, Theft, windstorm, explosion and else.
 "Renters Insurance - Focal Point Insurance"The renter's insurance policy will generally pay to replace any property that is stolen, damaged or destroyed by a covered cause or subject to any policy limits or exclusions. and term and conditions mentioned in your policies.