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Fire & Water - Cleanup & Restoration

Landlords Have Insurance, Tenants Should Too

2/5/2019 (Permalink)

Kitchen fire in Bronxville, NY

4 Things to Consider When Choosing a Policy

Lots of people think that insurance is only for homeowners, but they are wrong. When you choose to rent rather than own a home in Bronxville, NY you need to consider protecting yourself with renters insurance as well. Property landlords have insurance that cover their buildings but it does not always cover their tenants. It is best to take the time to research insurance options for you and your personal property that will be kept or stored in the landlords' buildings. Here are four things to consider when choosing a policy.

1. Fire Damage

Make sure the insurance you purchase provides protection in the event of fire damage. Your policy should cover the actual fire, the water damage from dousing the flames and the soot damage that can harm items that do not actually burn.

2. Medical Reimbursement

Make sure the renters insurance coverage that you select includes reimbursement of medical costs for you and your visitors. Some policies only cover your physical property and neglect to protect you or your friends and family if there is an injury in your home.

3. Coverage Limits

Some insurers can put a limit on exactly how much they will pay to replace your damaged items versus the actual value of the items, or how much the insurer will pay towards fire restoration services and cleanup. Check the coverage values before you sign the policy.

4. Liability

Check if you will be covered if you cause a fire as well as if it is caused by negligence or through the actions of another person. Making sure fire damage is covered regardless who caused the fire is important to know before a catastrophe hits.

Don't miss the opportunity to protect you, your visitors and your property when leasing your home. Renters insurance in Bronxville, NY can be a lifesaver if you get the right policy.

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