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Many renters in New Jersey overlook the need for renters insurance. They think that because their landlord has insurance on the building, they are covered.
Unfortunately, what they may not realize is that the landlord’s insurance policy doesn’t cover the renter’s personal possessions. In addition, a landlord’s insurance policy won’t offer protection in the event that a guest becomes accidentally injured when visiting your apartment and serves a lawsuit for liability.
Renters insurance can provide the financial protection you need in case your personal belongings are stolen or destroyed, as well as liability protection if someone is hurt in your apartment dwelling.
The policy provides coverage for damage or loss due to covered perils, such as lightning, windstorm, fire, smoke, accidental water damage, and theft.
In addition, most policies provide liability protection, which offers coverage for an injury another person sustains while in your apartment. This coverage may include medical payments coverage for the injured person’s medical expenses. In some cases, it also covers legal defense costs.
Examples of coverage include:
There are 4 main areas that receive protection:
Not sure how much your valuables and personal belongings are worth? We can lend a hand and help you estimate the value of the contents in your apartment.
At Donnelly & Sproul, we have been providing Garden State residents and businesses alike with insurance for nearly 90 years. As a trusted and entrenched fixture in the New Jersey community, we understand the needs of our residents, including the renters in our community.
Here at Donnelly & Sproul, our New Jersey renters insurance policies offer renters the most affordable rates and comprehensive coverage through several highly rated insurance carriers.
Remember, you cannot rely on your landlord’s insurance policy because that only covers the building’s structure, and not your valuables, keepsakes, or personal property.