Renters Insurance

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Renters insurance provided by Strickler Insurance.

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Congratulations! You’ve moved out and are in an apartment or home where you can relax and enjoy having your own place. Renting an apartment is such a smart way to live on your own while saving money on things like roof repairs or water heater replacements.

It is important to be aware that moving into this rental property you bring with it all of your personal property and valuables as well as a responsibility and potential risk that you will be liable for since it is now your apartment. Don’t worry, Strickler Insurance is here to help you determine the best renters insurance for your apartment or home.

What Does Your Landlord’s Rental Property Insurance Cover?

Usually, a landlord’s rental property insurance protects what they own and nothing more. So the roof that started leaking might be protected by their rental property insurance, but it does not cover all of your personal property that was destroyed by all the water that flooded your apartment. This is why so many people get renter’s insurance. Protecting your personal property with renter’s insurance can leave you with peace of mind.

The Best Renter’s Insurance Covers More Than Your Personal Items

Personal property damage is actually a small part of renter’s insurance. When you have great insurance on your rental home you are covered for a wide variety of things like liability or loss of use.

  • Fire
  • Theft
  • Lightning
  • Wind/Hail
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Renters

Personal Property

Risk Factor

Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.

Solution

Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.

Limits and Exclusions

Risk Factor

Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles, collectible cards, and coins may have limited coverage or may not be covered.

Solution

Obtain a floater. A floater is coverage that specifies the item(s) covered under the policy, the limits of coverage applicable and the deductible. This is the best solution to make sure your favorite valuable item(s) are covered in the event of a loss.

Additional Living Expense

Risk Factor

If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.

Solution

Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses–such as moving costs, increased food costs, and other expenses.

Liability

Risk Factor

You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.

Solution

Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.

Medical Expenses

Risk Factor

You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.

Solution

Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.

Landlord

Risk Factor

You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.

Solution

Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.

Improvements or Betterments

Risk Factor

Any improvements or betterments that you have made to your unit are subject to damage.

Solution

Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.

Contents Away from Home

Risk Factor

You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?

Solution

Be sure to add off premises theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.

Premises Liability

Risk Factor

You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.

Solution

Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.

Lebanon Renter’s Insurance Specialist

At Strickler Insurance we are proud to have served the local Lebanon PA renters for over 160 years. Inside of our very team, we have people who are renting apartments in Pennsylvania as well as people who are landlords renting out apartments in Lebanon. We know both areas of renters insurance and how to protect your assets. As a renter in Lebanon Pa this is something you want your insurance agent to be knowledgeable. Make sure your property is protected in your apartment by getting renters insurance.

With our historic and hands-on experience, we hope to provide you the best Lebanon renters insurance coverage. Contact us for a free insurance quote.

What Does Renter’s Liability Coverage Protect?

This coverage helps protect you from hiring a handyman to fix accidental damage to the apartment. If you have friends over and someone falls down the stairs because you left something on them that caused a hazard. You would be responsible for their medical bills and repairing the hole they left in the wall. Renter’s liability insurance protects you from having massive medical bills and apartment repairs.

Why Should I Have Renter’s Loss of Use Insurance?

Remember that roof leak that flooded your apartment and damaged all of your stuff? Well you went to live with your parents for that month and still had to pay rent!? Loss of use insurance helps you and protects you from this loss.

Contact Strickler Insurance For Your Renter’s Insurance

Contact Strickler Insurance for the best renters insurance we can provide. We provide renters insurance for a lot of homes apartments and condos in Pennsylvania. Being located in Lebanon PA, we have a lot of local renters who get insurance from us as well as renters in the Harrisburg area the city of Philadelphia and even neighboring states. Our insurance coverage is designed to protect your assets and you as you rent your apartment. Contact us today for a free Lebanon renters insurance quote.

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