Renters throughout Western Wisconsin and in Minneapolis St. Paul area often believe their landlord’s insurance policy will protect their possessions if fire, vandalism or other disaster damages the building where they live. Nothing could be further from the truth. Renters insurance is the best protection for you if such a situation occurs.
The landlord or property owner insures the building, but that policy will not cover you, your personal property, or anything inside your home. Renters insurance is affordable coverage that can be bundled with your car insurance for a multi-policy discount. Sandeen Insurance has been helping renters in Hudson save money since 1914.
Whether you live in a duplex, house, apartment, loft, condo or townhouse, renters insurance can mean the difference between replacing your belongings or being left with nothing. Our independent agents frequently talk to renters who think it would be easier to replace their stuff than insure it. Consider the belongings you have in your apartment: how costly would it be to replace everything you own?
What Renters Insurance Covers
Renters insurance will cover costs to repair damage caused by fire or smoke, lightning, windstorm or hail, volcanic eruption, ice, vandalism, theft, explosion, plumbing leaks and falling objects. Renters insurance also:
- Covers replacement of your belongings, up to the policy limit. Sandeen Insurance can help you decide whether to add insurance for valuable jewelry, electronics or collections you may own.
- Provides personal liability coverage to protect you in case someone is injured while visiting your home, and medical costs and/or legal issues result.
- Pays temporary living expenses if you need to move while your apartment is repaired or rebuilt.
- Covers possessions in your car or other vehicles. Auto insurance will not pay to replace belongings inside your car if it is stolen or damaged. You need renters insurance for that protection.
Whose Possessions Are Covered
Your renters’ insurance policy will cover members of your family. If your kids are in college, their belongings are covered there if they live on campus or in a school-owned apartment.
Contact Sandeen Insurance for Renters Insurance
Contact our independent agents for a no-obligation quote. We represent several insurance companies, so you can expect better insurance rates, more insurance discounts, and more choices whether you’re from Hudson, Stillwater, Afton, Lakeland, Bayport, or Woodbury. Call us today at 715-386-5825 and save.