For everyone who rents, there are many risks that you face as a renter. Many of these risks can be protected against by a renters’ insurance policy. One of the first things you need to do when renting a new place is to get your renters’ insurance secure. In today’s rental climate, you often have to show proof of being insured before signing that lease. To get your renters’ insurance in Emmaus, PA, call us now at Patrick McNealis Insurance and Financial Group.
Protection of Your Things
As a renter, most of your things will be located inside your rental. So, what happens if there is an event that damages the rental and your belongings? Your renters’ insurance doesn’t cover the building itself, as the landlord has to insure that. However, it does cover all of your belongings that are inside it. When they are destroyed, your renters’ policy will help you to get them all replaced without the money coming from your own pocket. This can be a big help after a damaging event.
Protection for Liability
When you have a lease, you are responsible for much of what happens on the property. If a third party were inside your rental and then had an accident, you are likely to be held liable for all the costs resulting from that accident. This includes the wages the person misses after being injured and the medical bills that will be charged. This insurance protects you by paying for all those costs to keep you from having to pay them.
Get Renters’ Insurance
It’s never a good idea to rent without having a renters’ insurance policy. Call us at Patrick McNealis Insurance and Financial Group to get yours in Emmaus, PA.
If you rent an apparent or house, renters insurance is what you need. The purpose of this insurance is to protect tenants and their personal belongings from water damage, fire, and theft. Many tenants decide to save some money and not to buy renters insurance. However, it might be a risk that is not worth taking. Here is a list of risks that tenants may face if they decide not to purchase renters insurance:
Risks of Not Having Renters Insurance
Here is a list of reasons why skipping renters insurance is not a good idea:
- If your possessions are damaged or stolen, they will not be reimbursed. For example, if there was a fire in your home that damaged or destroyed your personal belongings, you will have to pay for repairs and replacement out of your pocket.
- You can get evicted without renters insurance. It is stated in some leases that renters insurance is a requirement. Thus, if you signed a lease and agreed to maintain renters insurance coverage, you are risking getting evicted by your landlord.
- If your apartment or house is damaged, you will not have a place to live. If the place you live gets seriously damaged and becomes uninhabitable, you will need temporary housing. Usually, it is paid by insurance, but if you do not have renters insurance, you will have to pay for housing itself.
Patrick McNealis Insurance and Financial Group serving Emmaus, PA – We Are Ready To Assist You In Any Capacity
If you are renting a home in Emmaus, PA or any other surrounding area, you need to carry renters insurance to protect your personal belongings and yourself. Patrick McNealis Insurance and Financial Group provide their clients with all types of insurance services, including renters insurance. We treat our clients with the respect they deserve and always help them find perfect insurance policies addressing their needs. Visit our website or give us a call if you have any questions.
Renting a place to live can be exciting, but it also comes with some decisions that need to be made. One of those is the best way to protect your personal belongings, and you can do that with renters insurance. At Patrick McNealis Insurance and Financial Group, we help people in the Emmaus, PA area find the insurance products that are right for them. Reach out to us today, and we’ll make sure you can get the renter’s policy that’s going to cover your belongings properly. It’s not always easy to know what to choose, but it’s much less stressful with the right people on your side.
Our dedicated agents will help you protect the belongings you bring into your new rental space, so you can feel good about the protection you have and enjoy peace of mind in your new location. That’s a great way to feel more secure and to sleep better at night. When you’re unsure about the type and level of coverage you’re looking for, talking it through with knowledgeable professionals can make all the difference. That will give you confidence that your belongings are being protected the right way and let you focus on exploring all that the area has to offer.
If you’re in the Emmaus, PA area, contact us today at Patrick McNealis Insurance and Financial Group. We’ll help you find the renter’s insurance policy that’s going to cover your belongings and meet your needs. Remember, your landlord only has insurance on the structure and not on the contents. Your belongings won’t be protected from loss unless you insure them, and we can help you do that the right way. We can also review your coverage periodically to ensure you have what you need to protect your belongings the right way for the long term.