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Renters Insurance

Renters insurance is not mandatory in Virginia; however, some landlords may demand it for you to get access to their building. It's significant to obtain some form of coverage as your landlord is not deemed liable for any prevailing damage to your personal belongings. Did you know that 900,000 renters reside in Virginia, including proximity to the mountains, oceans, countryside, and city?

Acquiring renter’s insurance in Virginia is not expensive, and it's worth having for everyone. It averages about fifteen dollars a month for $10,000 of personal property coverage and $100,000 of liability. As a Virginia resident, have you ever imagined what may happen in case a faulty outlet stirs an electrical fire that fills your condo with smoke? Your landlord will only repair the walls and wiring. But what happens to your damaged personal possession by smoke? The ultimate solution for these unfortunate incidences is renter’s insurance acquisition because it protects you and your personal property from imminent disasters.

Renters insurance policy extends coverage in protecting you from financial losses in case you cause damage to someone else's property as well as their injuries. This form of coverage also cushions you financially when the unexpected occurs by replacing stolen or damaged personal property by a covered peril such as vandalism, fire, and smoke.

Renters insurance policy caters to additional living expenses such as hotel bills when your apartment is being repaired and you are temporarily living elsewhere. Purchasing renter’s insurance in Virginia is a wise decision to protect yourself and your personal belongings against a given peril stated in your policy document. Visit us today at Cannon and Associates Insurance offices and get an affordable renters insurance policy matching your needs and budget.

What kind of events are covered under the renter's insurance policy?

  • Property damage.
  • Injury.
  • Injury caused by pets, fire, or lightning.
  • Smoke.
  • Theft.
  • Riot or civil commotion.
  • Vandalism.
  • Freezing of plumbing systems.
  • Aircraft and vehicle impact.
  • Weight of ice, snow, or sleet.

Types of renter's coverages.

Personal property coverage: This is a basic form of coverage that protects your personal possession if they are damaged by common calamities such as fire, vandalism, and theft. Belongings stored away from your residence like motorcar or storage unit are also protected.

Liability coverage: In case someone is injured at your rental apartment, or if you injure someone else or damage their property, this form of coverage comes into play to cater for any emerging lawsuits costs and other medical expenses.

Additional living expenses: Some calamities can make your apartment uninhabitable until the damage is repaired. This form of coverage helps in catering to cost arising from temporary accommodations expenses such as food.

Medical payments to others: This form of coverage pays for medical expenses if a guest gets hurt at your residence irrespective of who is at fault. These expenses might include x-rays, ambulance fees, or an emergency room visit.

Renters insurance policy furnishes a tenant with financial reimbursement to cover lost and damaged belongings by a covered peril such as theft, vandalism, and fire. Do you want to acquire a salient renters insurance policy in Virginia matching your needs? Call or visit our Cannon and Associates Insurance offices to get customized quotes for a renter’s insurance policy.

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