If you rent a home, you need to insure your personal property. Having adequate renters insurance coverage can eliminate stress related to the financial burden of covering out-of-pocket costs for accidents related to the home, such as fire, theft and vandalism. 

If you live near Huntsville, Alabama, Larry Burkman Insurance Agency is your trusted source for renters insurance. Our agents can help you find coverage that is right for you. Don’t hesitate to reach out to us today to learn more. 

What is renters insurance?  

All homes are vulnerable to fire, theft, vandalism and other damage-causing incidents that are out of control of those who live there. As a tenant, having a renters insurance policy will reduce significant out-of-pocket costs resulting from these incidents. Having renters insurance coverage will reduce the financial stress of home-related accidents. 

What does renters insurance cover?  

Renters insurance differs from homeowners coverage in that it does not cover the structure since the tenant does not own the home. Most renters policies typically include:  

• Possessions insurance

• Liability insurance

• Additional living expense protection

You may be able to add additional coverages to your policy. Be sure to talk to your agent to learn more about these options.  

Who needs renters insurance?  

Typically, tenants need renters insurance, as they are staying in a home or dwelling that they do not own. Landlords usually require their renters to purchase policies because, in doing so, the renter reduces the landlord’s liability for accidents or losses that occur in the home. 

Is renters insurance expensive?  

Multiple factors will influence the cost of your renters insurance, such as:  

• The value of your possessions

• The home’s location

• Your credit score

• Security features in the home

• Your chosen policy and coverage limits

  

Contact Us With Questions or Concerns 

When it comes to the dwelling you’re renting, make sure you and your possessions are protected. The agents at Larry Burkman Insurance Agency are committed to helping you find the right renters insurance policy for your situation.  

Visit our website or contact us at 256-830-1123 to get a quote on a renters insurance policy today.