Your renters’ insurance policy protects your possessions from loss or damage. After you have acquired a new policy, be aware of what to do in the event that any of your items become lost or damaged. Consult us at Land Home Insurance Services and we can help you file a claim.

Coverage

Familiarize yourself with the type of cover you have purchased. Your coverage amount will be specified in your policy. The policy will outline which items have been insured.

If you purchase or sell items during your tenancy, you will need to update your policy. Your coverage will pay for repairs and replacements. Any items that are not covered by your policy will be your responsibility to repair or replace.

Incident

Documentation is needed for any insurance claim that you intend to file while you are renting a property. The documentation should outline what occurred. It should also indicate what happened to the items that you are filing on your insurance claim.

If a criminal act results in you losing some of your items, you will need to file a police report. Once the report has been filed, you can request a copy of the report. This copy can be submitted with the other paperwork needed to file your insurance claim. 

Claims Process

An insurance adjuster will investigate the insurance claim. They may take pictures of items that have become damaged inside your rental unit. The claims process will be handled by an insurance agent. You will be updated about the status of your case.

Reach Out To Us

Land Home Insurance Services can assist you with any renter’s insurance questions or concerns that you have. We are happy to help. 

The agents at Land Home Insurance Services want you to understand the importance of having renter’s insurance in place. If you are a tenant and think that your landlord’s property insurance policy will cover your personal belongings if they are damaged or destroyed, you need to think again. A landlord’s property insurance policy will not cover your things since it is designed to only cover the structure you live in.

The Importance of Renters Insurance

It is imperative that all tenants have a renters insurance policy in place. This is due to the fact that the property owner who owns the house, apartment, mobile home, or other structure that you live in is not responsible for covering the contents of your home. This means if a fire breaks out, for example, and all of your clothing, household items, appliances, furniture, and more are damaged or destroyed, you will simply be left with nothing. This is the reason that renters insurance is so very important. It could not only help you replace any items that are lost due to a fire, a natural disaster, or an act of vandalism, but it can also help you have a place to stay until you can move back to your original home or find a new one.

A renters insurance policy will also assist you if someone is injured while visiting you or if a burglary occurs at your residence.

Contact Us Today

It is so important to be safe than sorry when it comes to all of the things you have worked so hard to have. This means you need to have a renters insurance policy in place and to do that, you need to call the agents at Land Home Insurance Services today to get your policy started.