Author: agentinsure

As a renter, you probably have a lot less responsibility than a homeowner. But you still own things and that means you need insurance to protect what you own and what you have. Life comes with risks and anticipating those risks and being prepared for them gives you peace of mind. At Stalwart Insurance in Pittsburgh, PA, we are committed to delivering insurance solutions. We work for our clients, not the insurance company, and we won’t stop until we make sure you get exactly what you want and need. 

The biggest difference between renters’ insurance and home insurance is property coverage. As a homeowner, you need to insure the building itself. As a renter, since you don’t own the building you don’t need to cover it, that falls to your landlord. but, if you are assuming that your landlord has any insurance that protects you, you are misguided. Your personal items are your responsibility. 

Renters insurance usually includes three types of coverage; liability, contents, and loss of use. All of these provide valuable protection. 

Content coverage protects your furniture, electronics, clothes etc. They are covered in your rental and also when they are with you away from home. You have two options for coverage; the actual value, and the replacement cost. 

Liability coverage protects you if someone is injured at your rental or by a member of your family. It pays for medical as well as legal expenses. 

Loss of use will be a big help if your rental is damaged and you need a place to stay until your rental is habitable again. It pays for a hotel and a short-term rental if that is needed. 

When you want to discuss renters insurance, Stalwart Insurance in Pittsburgh, PA is here to offer you the best products at a fair price. 

Renter’s insurance in Pittsburgh, PA is very standard coverage. It will cover you for any liabilities that happen on your property, such as a dog bite or an accident that occurs to someone else. It will also cover you for your contents and the property that you own.

This coverage can cover you for a wide number of things beyond what happens at your home. If you lose a valuable while you are traveling, you can make a claim with your renter’s insurance.

There are many other risks to renting an apartment. You may not be covered for all of them. At Stalwart Insurance, we want you to feel protected through every risk of renting. We also want you to know what is and isn’t covered.

Natural Disasters

Natural disasters generally aren’t covered by your renter’s insurance, but your landlord’s property insurance might cover it. Many renters are confused by this.

Additionally, some disasters will be covered and some won’t be, which is what makes renters so confused. If a tornado damages your apartment, you might be covered. You won’t be covered by earthquakes though.

A flood might be covered, depending on the type of water damage. Not all floods will be.

Pests and Bed Bugs

A major problem with bed bugs, cockroaches, or rodents, will not be covered by your renter’s insurance. That is because these are not considered covered perils.

Talk to your landlord if you have a problem with pests or bed bugs. They are required to ensure your home is habitable, and there are remedies outside of insurance for this problem.

Get a Quote

These are just a few of the things not covered by renter’s insurance in Pittsburgh, PA. Your car, your roommate, additional valuables, will also not be covered. If you need more information or want to purchase renter’s insurance, give us a call at Stalwart Insurance and get a quote for renter’s insurance today.