Iowa Renters Insurance Coverage

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First Choice Insurance Services

605 11th ST SW
Spencer, IA 51301

Phone : 712-580-4642
Fax : 712-580-4643
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Renters Insurance

Renter's often love the freedom that they can enjoy through renting their home. Many of the headaches of homeownership are bypassed, such as big maintenance jobs, taxes, and insurance. However, many renter's overlook the importance of carrying renter's insurance while they are renting. First Choice Insurance Services is here to help you better understand the importance of this type of insurance coverage for renters in Iowa. Keep reading to learn more.

What is Renter's Insurance

Many renters think that because their landlord holds a homeowner's insurance policy on the property they are renting, they are covered in the event of damage to their rental. The physical property of the rental is covered, but your landlord's insurance policy will not cover any of your personal belongings that may be in the home or on the property. For this reason, it is very important that renter's also hold their own renter's policy in order to protect their possessions.

What Does Renter's Insurance Cover?

Renter's insurance is designed to kick in if your rental property experiences damage due to fire, storm or burglary. The repair or replacement of your lost items will be paid for. It is crucial that you evaluate your items carefully so that you can choose an insurance policy that will protect you sufficiently. You should include the value of furniture, electronics, appliances, clothing, jewelry, collections, and anything else which you consider of value which can be covered.

Renter's insurance can also cover additional living expenses if your place of residence is uninhabitable due to damage. This can include hotel bills while you look for somewhere else to live or while your rental is being repaired.

Liability coverage is another important aspect of renter's insurance. This type of coverage will kick in if someone is injured in your rental and it is determined to be a result of your negligence.

If you would like to learn more about renter's insurance, please call our staff at First Choice Insurance Services serving renters in Iowa.

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