1212 N Washington St, Suite 20
Spokane, WA 99201
Renters insurance is a common insurance type that many people simply do not think they need. Since some landlords do not require renter’s insurance of any type, many renters forgo this type of coverage in order to save the money they would use on premiums for other things. However, renter’s insurance is an incredibly beneficial policy type to have if you are renting a home or apartment. For those that live in Washington, specifically the Spokane, WA area, agents with Western Insurance Associates can help you to find the policy that works best for you.
Renters insurance works to cover your belongings in the event of a disaster in your rented space. This could be an apartment, a condo, or a rented home. The main basis for this policy is to protect the renter so that they do not have to pay out of pocket to recover if something happens to their rented home. A renter’s policy is not specifically like a home policy in that they often cost less and cover a bit less. They do cover the cost of your belongings and may cover things like your damage deposit if your landlord is not willing to give it back.
This type of policy is based on the value of your belongings and is great if you live in an apartment where there are other renters. You can claim things like water damage from leaky pipes, smoke damage if a neighboring unit is destroyed and your belongings are damaged by smoke, and fire damage as well. Some policies may also cover the cost of replacing items if your rented space is broken into and items are stolen or damaged. If you live in a rented home or a rented apartment, a renter’s policy is certainly something to consider.
For those that live in Washington in the Spokane, WA area, agents with Western Insurance Associates are waiting to help you find your perfect renter’s policy.