Renters Insurance in Arkansas

Why Do You Need Renters Insurance in Arkansas?

There are plenty of reasons to have a renters insurance policy in Harrison, AR, and throughout the state. It’s important to remember that your landlord’s insurance won’t protect you or your property. The right policy can protect you from the worst-case scenarios in life. Arkansas is one of the only states where non-payment of rent becomes a criminal charge. If there is a major disaster, you may not be able to pay your rent and could face criminal problems. Many people can’t afford to pay to replace everything they have at their rented home. Many apartments also require renters insurance. Even if it is not required, you may still want to have insurance for your personal property and your liability. You don’t have to live in an apartment to get renters insurance. You can get renters insurance for almost any living situation.

What Does Renters Insurance Cover?

Renters insurance will do more than protect your personal property. An agent at Foresee General Insurance Agency, Inc. can help make sure you have the right coverage for your needs. Renters insurance will cover several perils, including vandalism, fire, theft, snow, and falling objects. Many policies will have a loss of use protection to pay for additional living expenses that result from a covered loss. Medical payments coverage will pay if a guest suffers a small injury at your home. There doesn’t have to be any fault or negligence, and this coverage is designed to get things paid efficiently and quickly without a liability claim. If the injury is your fault or you cause damage to the rented home, the liability coverage will come into play. This is designed to pay for a loss you cause to someone else and to help pay to defend you in the event of a lawsuit or claim. This coverage also protects you from a variety of other risks. Apartment fires sparked by cooking can be one such event that is quite common.

Contact Foresee General Insurance Agency, Inc. serving Harrison, AR, to get a quote on renters insurance.