Even if You Don’t Own a Property, Renters Insurance Helps You Protect Your Other Assets as a Renter
ASA Insurance Provides Quality Renter’s Insurance at Affordable Rates
If you think you don’t need insurance because you rent, you might be surprised at how important renter’s insurance could be if something happens. While the landlord’s insurance policy will cover the building, it may not pay for replacement of your personal items. ASA Insurance can help you determine if you need renter’s insurance and how much coverage.
Why You Need Renter’s Insurance
A renter’s insurance policy protects you from liability if someone should get injured in your home. If there is any confusion on whether the cause was your responsibility or that of the landlord, your insurance company will advocate for you. It also pays for damage to other people’s property when you are at fault for the accident. A prime example is when a fire or water damage to your apartment goes into another unit and causes damage to another tenant’s belongings. Since you could be held liable for the costs, renter’s insurance will protect you.
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How much insurance coverage you need will depend on how much you own and what other assets you want to protect. Having enough coverage provides peace of mind when a terrible tragedy occurs and can make replacing your belongings or paying for others’ expenses possible.
Renter’s Insurance is Affordable
Unlike other types of insurance that can cost hundreds of dollars, a renter’s policy is often very cheap. Depending on how much coverage you need, you may pay only a small amount each month. If you have auto insurance, you can save even more by bundling them together.
Discuss your needs for insurance with ASA Insurance. We can help you select a policy that meets your needs and budget. We can assist you in determining the amount of coverage you need and answer any questions about insurance you may have. Give us a call today at 801-486-7463 to get a free quote.
Renter’s Insurance FAQs
Do I need home insurance if I’m a renter?
Unlike regular home insurance where the policyholder owns the home, renter’s insurance does not include coverage for the physical structure of the property. Instead, it’s meant to help protect renters from things like the costs associated with property theft and liability damage. As such, renter’s insurance tends to be a lot more affordable than regular home insurance, making it an obvious choice for most renters.
Does renter's insurance cover storage units?
Does renter's insurance cover theft in Salt Lake City?
Who offers renter's insurance in Salt Lake City?
How does renter's insurance work?
Do you need renter's insurance in Utah?
Does renter's insurance cover water damage?
Does renter's insurance cover car theft?
What does renter's insurance not cover?
Here are some common exclusions on renter’s insurance coverage:
- Bed bugs/pests
- Car theft or damage (auto insurance is responsible for this instead)
- Flood damage
- Your roommate’s property (unless they are listed on your property)
Be sure to speak with us about adding additional coverage to your renter’s insurance to address the particular risks you might face.
How to get renter's insurance
Then, it’s time to start contacting renter’s insurance companies in Utah, including the friendly team at ASA Insurance! We will help you determine what kind of coverage is right for you, the application process, and assist you with all of your other insurance needs.
We’re Not That Far Away!
For all of your general liability insurance needs, ASA Insurance in Salt Lake City is just a phone call away! We’ve been finding commercial and personal insurance policies for our clients across Utah since 1950, and we look forward to doing the same for you.