{"id":91,"date":"2022-08-31T04:00:00","date_gmt":"2022-08-31T10:00:00","guid":{"rendered":"https:\/\/www.hinmaninsurance.com\/blog\/?p=91"},"modified":"2022-08-31T15:37:29","modified_gmt":"2022-08-31T21:37:29","slug":"are-you-a-renter-make-sure-your-possessions-are-protected","status":"publish","type":"post","link":"https:\/\/www.hinmaninsurance.com\/blog\/are-you-a-renter-make-sure-your-possessions-are-protected\/","title":{"rendered":"Are You a Renter? Make Sure Your Possessions are Protected!"},"content":{"rendered":"<p><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">Many renters are unaware that insurance can protect them, just like homeowners insurance covers a homeowner. Renters&#8217; insurance can be a requirement for some tenant-landlord lease agreements. Even if it is not required, purchasing it is a good idea. <\/span><\/span><\/span><\/p>\n<p><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\"><a href=\"https:\/\/www.hinmaninsurance.com\/contact-us.html\">Contact Hinman &amp; Associates Insurance<\/a> in Reno, NV for an answer to all your questions regarding renters&#8217; insurance. <\/span><\/span><\/span><\/p>\n<p><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">A landlord will have insurance to cover their building only. In the event of a fire or other damage, your personal belongings in the unit remain unprotected from loss. Also, if you are liable for the damage caused to the building, your landlord&#8217;s insurance company could seek damages from you. <\/span><\/span><\/span><\/p>\n<p><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">Renters insurance will protect you in both of these instances. Also, it can cover you in an emergency for certain expenses.<\/span><\/span><\/span><\/p>\n<p><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">Renters&#8217; insurance will cover many situations, but there are some things to be aware of before purchasing a policy.<\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\"><strong>Coverage limits<\/strong> &ndash; the maximum amount covered because of damaged or lost property, additional living expenses, or personal liability.<\/span><\/span><\/span><\/li>\n<li><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\"><strong>Deductible <\/strong>&ndash; the amount you pay if you need to make a claim.<\/span><\/span><\/span><\/li>\n<li><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\"><strong>Scope of coverage <\/strong>&ndash; renters&#8217; insurance does not cover everything. For example, if you conduct business from the residence you are renting and are sued for something related to your business, the personal liability portion of the policy will likely not cover it.<\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">Determining the cost of coverage for the three factors above can determine the cost of the policy. A more extensive coverage amount will typically lead to a higher monthly premium. Other factors could affect the cost of the policy, such as:<\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">The type of building you live in<\/span><\/span><\/span><\/li>\n<li><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">The city you live in<\/span><\/span><\/span><\/li>\n<li><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">Your insurance history<\/span><\/span><\/span><\/li>\n<li><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">The insurance company<\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">Renters&#8217; insurance may seem like another monthly cost you would rather not pay. With rent and other fees you may need to pay, renters insurance protects you from possible disaster.<\/span><\/span><\/span><\/p>\n<p><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">You may never have to use the policy. If your belongings are stolen or damaged, or if you are facing a lawsuit or need extra money for additional living expenses due to an act of God, renters&#8217; insurance could save you. The financial burden could be so enormous that it would be difficult to recover from it.<\/span><\/span><\/span><\/p>\n<p><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">So don&#8217;t take the risk &ndash; protect your belongings with a renter&#8217;s insurance policy. If you have any questions, please get in touch with Hinman &amp; Associates Insurance. You will be glad you did.<\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many renters are unaware that insurance can protect them, just like homeowners insurance covers a homeowner. Renters&#8217; insurance can be a requirement for some tenant-landlord lease agreements. Even if it is not required, purchasing it is a good idea. Contact Hinman &amp; Associates Insurance in Reno, NV for an answer to all your questions regarding [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[6,5],"class_list":["post-91","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-hinman-associates-insurance","tag-reno-nv"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.hinmaninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/91","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hinmaninsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hinmaninsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hinmaninsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hinmaninsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=91"}],"version-history":[{"count":1,"href":"https:\/\/www.hinmaninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/91\/revisions"}],"predecessor-version":[{"id":92,"href":"https:\/\/www.hinmaninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/91\/revisions\/92"}],"wp:attachment":[{"href":"https:\/\/www.hinmaninsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=91"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hinmaninsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=91"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hinmaninsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=91"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}