If you’re renting an apartment, a house, or another property, you likely prioritize home security to safeguard yourself and your belongings. Many renters mistakenly assume that they don’t need to do much beyond ensuring their home is secure. Additional forms of protection, like insurance, aren’t necessary because the landlord already insures their property, right? Here’s why landlord insurance doesn’t negate the need for renters insurance, and how you can secure the coverage you deserve with our support here at the Smith Insurance Agency of West Virginia in Kingwood, WV.

Why Renters’ Insurance Is Necessary Even If Your Landlord Has Insurance

If a landlord has an insurance policy for their property, it covers the building you’re living in and protects them from any potential liability expenses that may arise while someone is residing on their property. You might think this is sufficient for you because you don’t own the property and don’t have as many responsibilities as an owner. However, this isn’t the case. A landlord’s insurance policy doesn’t cover any of your possessions if they’re stolen or destroyed during an emergency. Moreover, if you engage in reckless behavior that results in a personal liability suit, your landlord’s insurance won’t offer any protection for you. The only way to get the protection you need is with a renters’ insurance policy.

Compare Quotes With Smith Insurance Agency of West Virginia

If you need renters’ insurance, you can trust the team here at Smith Insurance Agency of West Virginia in Kingwood, WV, to help you find the right renters’ insurance policy for you. Contact us now to get started!