Are you a renter in Escanaba, MI? If so, you need renters insurance. Even if you don’t think your belongings are worth very much, the truth is that a fire, burglary, or other disasters could leave you with nothing. That’s where Luft Insurance Agency comes in. We can help you find the right renter’s insurance policy to protect your possessions and your peace of mind. But what should you look for in a renters insurance policy?

Coverage for Your Belongings

Many people mistakenly believe their landlord’s insurance will cover their belongings, but this is not the case. Your landlord’s insurance only covers the building itself, not the contents. Therefore, it is essential to have your own renter’s insurance policy to protect yourself and your belongings. When shopping for renters insurance, consider coverage for your personal belongings. Otherwise, you could be left with a hefty bill if something happens to them.

Coverage for Liability

Liability coverage will protect you if someone is injured while on your property. For example, if a visitor trips and falls or your dog bites someone, you could be held liable. With liability coverage in place, you can rest assured knowing that you are protected financially if something like this happens.

Coverage for Additional Living Expenses

Suppose your home is uninhabitable due to a covered event, such as a fire or severe weather. In that case, additional living expenses coverage will help pay for temporary housing and other necessary costs. This can be an extremely valuable benefit, especially if you are forced to live in a hotel or rental property while your home is being repaired.

With these three critical components in place, you can rest assured knowing that you and your possessions are protected. Contact Luft Insurance Agency in Escanaba, MI today to learn more about our renter’s insurance policies.