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Renters Insurance FAQs

Renters are an independent sort and, obviously, they are very confident as well, since only 40% of them have renters’ insurance compared to 93% of homeowners. Not having renters insurance is risky. At Oak Ridge Insurance Services in Oak Ridge, NC, we try to explain the value of renters insurance to our customers. We can provide lots of affordable choices to provide the necessary protection. 

Renters Insurance FAQs

Can you count on your landlord for insurance?

You can count on your landlord to have insurance on their building and any of the built-ins or appliances that your rental comes with. They will not, however, cover your personal property. That is your responsibility. 

What are the types of content coverage? 

Two types of content coverage are available. You can choose a replacement or current value. The difference is the current value allows for depreciation, so if you have a 10-year-old sofa, that will be reflected in the amount you get for it. With replacement cost, you will be covered for the amount it would cost to buy that sofa today. 

What is loss of use insurance?

If your rental was damaged so badly that you could no longer occupy it, where would you stay? If you have renters insurance, you could stay at a hotel or a temporary rental unit and even get money for meals if you are without a way to cook. 

Why do I need liability insurance for my rental?

Nobody likes to think about the possibility of being sued by someone who comes to our home. Unfortunately, it does happen and this insurance will provide the money you need for legal fees and a judgment against you or just for injuries. 

Contact Oak Ridge Insurance Services in Oak Ridge, NC to discuss how renters insurance can be of great value to you. 

An In-Depth Look At Renters Insurance

Based in Oak Ridge, NC, Oak Ridge Insurance Services serves the community by offering residents personalized insurance coverage. We strive to help our clients protect their most important assets. We will guide you through the process of finding coverage.

Renters Insurance

If you stay in a condo or apartment in Oak Ridge, NC, renters insurance will help you cover your personal items. The policy covers your personal items if someone damages them or tries to steal them. Accidents can happen at any time. That’s why liability coverage will protect you if someone gets injured while they are visiting your rental property or if you accidentally damage someone else’s property.

You can amend your policy to cover you if your personal items are damaged due to a natural disaster or fire. Renters insurance allows you to protect your most valuable possessions in case something goes wrong. If you have some luxury items, you may have to amend your policy to protect them if something happens. Consider getting your luxury items appraised so that you will be aware of their true value. Also, it may benefit you to take note of every single item in the rental unit. This will assist you if something gets stolen.

During severe cases when your rental property suffers major damage, you can add emergency coverage so that you will have a safety net if you have to seek additional lodging elsewhere until your rental property is repaired. Your personal items are also protected when you are traveling away from your rental unit. You will be covered if something happens to your phone while you’re on vacation.

Consult With Oak Ridge Insurance Services

Visit our website today to learn more information about renters insurance.

Brent Schroyer

Brent Schroyer

Insurance Advisor
Chastity Spofford

Chastity Spofford

Insurance Specialist

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