If you are a renter and living without renters’ insurance, you are not alone. More than half of all renters don’t bother with renters insurance. At Rasor Insurance in Celina, TX, we are an independent insurance agency, and we provide personalized service to our customers. We work for our customers, not the insurance carriers, and we can offer more choices and the most affordable rates.

Renters’ insurance provides a lot of different types of valuable protection. All of them are worthwhile having.

Personal property

You own a lot more than you realize, and many of your personal possessions will likely be in your rental. If a covered hazard hit your rental, this coverage would help you replace the lost items. It also covers your possessions when you are away from home. You have two options for coverage. You can cover the items for their current value, which allows for depreciation, or cover them for the amount it would cost you today to replace them.

Liability protection

Getting sued is not something anyone ever wants to think about, but it does happen. If someone gets injured or sick at your rental, you could end up being liable for their medical bills, and they may even decide to take legal action. This coverage will help pay the bills and even the legal expenses.

Loss of use

Have you ever thought about where you would go if your rental was damaged and you had to move out while being repaired? How would you pay for the accommodation? If you have renters’ insurance, you will have the money for a place to stay. It can cover a hotel and meals in the immediate aftermath and a temporary rental if the stay is longer.

Contact Rasor Insurance in Celina, TX, when you are ready to discuss how renters insurance can benefit you.