Pittston Renters Insurance

Do You Need Rental Insurance?

Did you know that only 37% of renters have Renters Insurance whereas 95% of homeowners have a Homeowners Insurance policy? Joyce, Jackman & Bell Insurors want to keep all of our clients' personal possessions covered regardless if you own your home or rent it.

A Renters Policy will cover more than just your laptop and furniture; it can help you:

  • replace personal belongings in your home. This includes electronics, kitchen utensils, clothing and linens;
  • cover you with Liability Insurance in the event someone sues you; and
  • Additional Living Expenses incurred while you are out of your home due to a covered disaster.

So not only will Pittston Renter Insurance protect your personal items, it will also give you help with temporary housing and liability protection for people on your property. Your policy can help protect you in case of a liability lawsuit against you. This could occur in a situation where you are held responsible for:

  • Injury to another person
  • Damage to another person's property(whether the incident occurred within your rented residence or elsewhere)

Think of the costs associated with having to replace everything you own. What if you came home tomorrow and your apartment had burned down? Where would you go? How would you pay to replace your clothing, furniture, and appliances? When you ask yourself what Rental Insurance covers, you can say yes to all of the above.

Renters Insurance can cover virtually all of your personal possessions. Most policies provide coverage for electronic goods and equipment, small appliances, sports equipment, cameras and photography equipment, furniture, clothing, glassware and china, and books. Items such as computers, jewelry, furs, watercraft, and firearms can also be covered with extended protection.

Once you determine your insurance needs, knowing your options will help you choose the best policy.

What Disasters Are Covered?

Most Rental Insurance policies cover against:

  1. Fire
  2. Smoke
  3. Lightning
  4. Vandalism
  5. Theft
  6. Explosion
  7. Windstorm
  8. Certain types of Water Damage

You might have noticed Flood Insurance and Eearthquake Insurance are not on the list above. To learn more about how Joyce, Jackman & Bell Insurors can insure these perils on a renters policy call us in our Pittston, PA office at 570-654-5505 or complete our quote form. A licensed agent will provide you with the best possible Rental Insurance quote in no time.

Get Your Free Quote Today!