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Renters Insurance in Pittsburgh, PA

Protecting your belongings and ensuring peace of mind is crucial whether you’re a first-time renter or a seasoned tenant. There’s no telling if or when an incident may occur, but renters insurance can help you avoid costly claims and help you recover more quickly.

What Is Renters Insurance?

Renters insurance may help cover personal property losses and personal liability claims. One significant difference between homeowners insurance and renters insurance is that renters insurance generally doesn’t cover the physical structure of the building. For renters, dwelling coverage is most likely the responsibility of the landlord or property manager.

What Does Renters Insurance Cover?

Renters insurance typically includes the following three coverage components:

  1. Personal possessions coverage may help replace or repair possessions damaged due to a covered event, such as theft or fire.
  2. Liability protection coverage may help cover lawsuits for bodily injury or property damage for which you or your family members are responsible. Your policy may also include no-fault medical coverage, which can help pay for medical bills if someone is injured on your property, no matter who is at fault.
  3. Additional living expenses coverage may help if you cannot live in your home temporarily due to a covered incident, such as a burst pipe.

When to Get Renters Insurance

As soon as you find a place to rent, it’s time to shop for renters insurance. When applying for coverage, you will need to provide your new address, the residence’s safety features and fire protection. Most insurers will date the policy to begin once you move in so you aren’t paying for it before you need it. Your landlord may require you to show proof of insurance, which may also impact when you need to purchase renters insurance.

Renters insurance is a relatively inexpensive and impactful way to help protect yourself and your belongings. Contact Neofes Insurance Group LLC to discuss your renters insurance needs.

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