Many people choose to rent because they like the fact that most maintenance responsibilities fall on the landlord. This can be an excellent arrangement for people who do not have the time or resources to perform maintenance on a property. However, you should be aware that a rental lease will usually outline some maintenance responsibilities that do fall on the tenant. At Rasor Insurance, serving Celina, TX, and the surrounding areas, we want to help renters understand their responsibilities better. Keep reading to learn about common renter’s maintenance responsibilities. 

Cleaning and Decluttering 

One of the most common responsibilities you will have for rental property will be the responsibility to clean and declutter the property regularly. You might not think of this as a maintenance task, but it is. When a property is not kept clean, it can lead to pest infestations and other problems. When clutter is allowed to accumulate, it can also cause pest infestations and fire and health risks. 

Damaged Windows

A rental lease may also require that you replace any damaged windows during your stay in the home. This is a reasonable request, especially if you are the one who damages the window. 

Damaged Faucets and Lighting 

Another item you might be required to replace would be damaged faucets or lighting that you damage while living in the home. Most landlords do not want to spend extra money repairing things that you damaged. Be sure to take good care of the property to minimize damage in the first place. If damage does happen, be sure to replace the items quickly. 

If you would like to learn about renter’s insurance, please get in touch with us at Rasor Insurance, serving Celina, TX, and the surrounding areas. 

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. 

Most people buy auto and health insurance but tend to overlook one crucial insurance called renters insurance. If you rent condos, apartments, and homes, this insurance is a valuable tool that every renter should consider. If renter’s insurance has never crossed your mind, perhaps now will be the time. Here are the benefits you accrue when you purchase renters insurance from Rasor Insurance. 

It covers your belongings.

Renters insurance serves as a protection plan for your personal belongings — talk of your laptops, couches, gaming console, and all your electronics. This coverage protects you from loss of items, destruction, or theft. Interesting still is that the policy follows you even outside your rental property. For example, if your laptop was stolen in your car, this coverage will pay for it. 

It offers liability protection.

Renters insurance covers property damage and bodily injuries sustained to others. For instance, if someone gets injured in your rental property, the cover pays for the medical expenses and legal fees if the person sues you.

It offers additional living expenses.

Renters insurance also provides loss of use coverage when your condo or apartment becomes uninhabitable. You’d be intrigued to know that your coverage can help you get into a hotel and pay for additional costs if you temporarily are displaced. 

While you sit and assume that your landlord has insurance that will cover you in the unfortunate event, the truth is you are responsible for your personal belongings. Before you ignore renters insurance, think of the benefits stated above and the financial mess you would slide in if disasters strike. 

Renters insurance in Celina, TX

Are you ready to get started with renters insurance? Call or visit us at Rasor Insurance. Our dedicated team will take you through all the plans available for your renter’s insurance.

 

If you are moving to the Celina, TX area, there are many great options available for housing. One option to consider is to rent a home. When you are going to rent a property in this area, there are several factors to take into consideration before you move in. If you are going to rent your home, it is vital that you get a renters insurance policy to provide you with the necessary protections. There are several reasons why you need to have this coverage.

Provides Valuable Coverage

The most important reason why you need to have renter’s insurance is that it will provide you with very valuable protection. With a renter’s insurance policy, you will receive coverage for your personal assets as well as personal liability protection. In a situation of a fire, theft, or an accident that occurs inside your rental unit, this could prove to be extremely valuable.

Required by Lease

The second reason to get a renter’s insurance policy is that your landlord will likely require it. Any commercial property owner knows how important it is for tenants to carry renter’s insurance. Due to this, it is very likely that your landlord will require that you have this insurance at all times. Usually, you will need to provide evidence of insurance before you move into your new home.

When you move into a new Celina, TX rental home, it is vital that you get a quality renters insurance policy. When you are looking for a new policy, you should reach out to the team at Rasor Insurance to discuss your insurance needs. The insurance professionals at Rasor Insurance will help to provide you with advice and make sure that you know all of your options when picking a new policy.