Tenants sometimes think that the insurance coverage carried by the landlord protects them from every situation. That is not the case. In order to ensure that help is there during any event, it pays to purchase and maintain Renters Insurance in Brockton MA. Here are some of the reasons why this approach makes sense.
The liability coverage carried by the landlord has to do with the building and grounds proper. It has nothing to do with events that arise due to the actions or negligence of the tenant. Think of what would happen if a renter left a heat lamp unattended so a pet lizard could remain warm, and made a run to the supermarket. If the lamp overheated and the apartment caught fire, who would be responsible for repairing the damage? Rest assured it would not be the landlord.
Keep in mind that while the landlord’s coverage will take care of anything that is directly attributable to the building or the actions of the landlord, it will do nothing to cover acts by the renter. This reason alone is enough to merit the purchase of Renters Insurance in Brockton MA.
Replacement of Stolen Items
Another good reason to maintain tenant insurance is to be protected from theft. Consider what it would take to replace things like computers, stereo equipment, televisions and other items if a break-in took place. Most people do not have enough cash on hand to replace all those items. Many renter insurance policies have provisions to cover burglaries, up to and including providing the money to replace those things that are gone forever.
Acts of Nature
In the event of a flood or wind damage, the landlord has coverage to manage the expenses of repairing the building. What will the tenant do about furniture and other belongings that are damaged as the result of a natural disaster? With the right renters insurance in place, there will be money to replace those belongings, and maybe even some money to defray the expenses associated with temporary housing.
For tenants who need to get renters insurance now, visit Johnsoninsurancema.com and arrange to talk with an agent. Rest assured the time will be well spent.
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