If you’re renting a home or apartment in St Cloud, MN, it’s important to protect your personal belongings with renters insurance from RG Insurance ~A Strong Company. While your landlord’s insurance covers the building itself, it won’t cover your furniture, electronics, or other valuables in case of theft, fire, or damage. Renters insurance is an affordable way to safeguard your possessions and provide peace of mind.
Renters insurance provides coverage for personal property as well as liability protection. It’s a must-have for anyone renting, whether you're living in a cozy apartment or a spacious rental home. Renters insurance can cover you in the event of fire, theft, or even accidental damage to someone else’s property. Call RG Insurance ~A Strong Company at 218-828-1310 to learn more about your options.
Many people assume their landlord’s insurance will cover their personal belongings, but that’s not the case. Renters insurance covers everything from your clothes and electronics to furniture and jewelry. Plus, it offers liability protection in case someone is injured in your home or if you accidentally cause damage to someone else’s property.
Want to know how renters insurance can work for you? Reach out to us at 218-828-1310 today and let us guide you through your coverage options.
Fire Damage
If a fire damages your belongings, renters insurance helps you replace or repair them.
Theft
If your rental is broken into and items are stolen, renters insurance covers the loss.
Water Damage
If a burst pipe or appliance leak damages your belongings, renters insurance steps in to cover the costs.
Here are some of the typical claims renters insurance covers:
| Claim Type | Description | Average Cost |
|---|---|---|
| Fire Damage | Loss or damage caused by fire, including repairs and replacements. | $10,000 - $50,000 |
| Theft | Reimbursement for stolen property. | $1,000 - $5,000 |
| Water Damage | Damage caused by plumbing failures or leaks. | $2,000 - $10,000 |
| Liability Claims | Covers legal fees and medical expenses if someone is injured in your rental. | $5,000 - $100,000 |
Renters insurance is straightforward. You pay a small monthly premium, and in return, your personal belongings are covered in case of damage, theft, or loss. If an unfortunate event occurs, you can file a claim to receive compensation for the cost of your damaged or stolen items. Your policy also includes liability protection, which covers medical bills and legal fees if someone is injured in your home.
Get peace of mind today with renters insurance from RG Insurance ~A Strong Company. Call 218-828-1310 or fill out our online quote request form.