When a rent a house, apartment, condo, or any other dwelling, there should be insurance on the building. However, that insurance is paid for by the building's owner. Your responsibility is to take out renters' insurance. If you are interested in a renters' policy, call us at D & E Insurance Agency in Muskogee, OK. We can help you with getting a policy on your rented Oklahoma home.
Instead of insuring the dwelling, one of the main parts of renters' insurance is its coverage of all your personal belongings. They are covered under this policy for a variety of damage and destruction that can happen to them. The specific incidents that are covered will be outlined by your policy.
Another part of these insurance policies is the liability portion. This covers you in case someone gets sick or injured while in your home. If this should happen, the policy will pay for their medical bills up to the specific maximum payout of the policy.
There are a number of accidents, calamities, and disasters that can render your home uninhabitable. If this should happen and you are unable to live in your home, your renters' insurance policy will pay for your living expenses. This often means payments for your lodging as well as meals, as you will likely be unable to cook in your temporary place of lodging.
If you aren't sure what renters' insurance will cover or why you should get it, call us at D & E Insurance Agency in Muskogee, OK, and make an appointment to talk to an agent about the coverage you need.