Renters Need Insurance Too
Renters Insurance for your apartment, condo, or house is a very affordable way to protect the things you've worked hard for.1
And this coverage is in effect anywhere you go, whether it's down the street with your bike or half way around the world with some prized possessions.
Don't think you have that much stuff? You might be surprised at how much it could cost to replace the items you've been accumulating over the years. Do you have a new laptop, HDTV, digital camera, a mountain bike? What about everything else; furniture, appliances, clothing? Your possessions could easily add up to $10,000 or more. While your landlord likely has insurance to protect the building you live in, that policy will not protect you or your possessions. Renters Insurance can reduce the financial risk of needing to replace your possessions or protect yourself from property related liability.2
Protect Your Things -- At Home And Wherever You Go
Liberty Mutual Renters Insurance covers the possessions that matter to you from theft, fire, and some types of water damage. And coverage doesn't stop when you leave your home. Your personal property is covered in your car, when you go on vacation or just down the street, even when you're moving. Deductibles apply, and be sure to update your policy within 30 days of a move.
Protection Beyond Your Possessions
Liberty Mutual Renters Insurance also covers you if you accidentally damage someone else's property or if someone sues you for their injury in your apartment. So for example, if your bathtub overflows and water seeps into the apartment below, damaging your neighbor's furniture or rug, your renters policy will cover the damage up to your liability limits. Or if someone trips in your apartment and files a claim against you, Liberty Mutual Renters Insurance provides a defense up to your liability and medical payments limits.3
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1Your premium will vary depending on the laws, regulations, and rates filed in the state where you buy your insurance.
2Limits, terms and conditions apply.
3 Depending on the tort (grounds for a civil lawsuit) alleged.