Renters Insurance In Indiana
Making sure the home you rent and everything in it is protected is a key to having peace of mind, and there's no better way to protect your rental and its belongings than with a good Indiana renters insurance policy from Beacon Insurance.
Like some other types of insurance, renter’s insurance is more than something that can benefit you when disaster strikes: it's a form of coverage you're often required to have. Property owners don't want to take full responsibility for anything that happens to your personal belongings, especially since landlords and maintenance workers often must enter your rental when you aren't home. If something goes missing, there won't be a dispute over whether the item was stolen; instead, your insurance policy will cover it.
Therefore you're generally required to carry a renter’s insurance policy when you rent a property in Indiana, even though that's not always the case.
There are three main types of coverage you get when you purchase renters insurance: personal property coverage, liability coverage, and additional living expenses. Personal property coverage has your back in case anything happens to your property. Keep in mind that since you're renting the home where you currently reside, the home itself isn't considered your personal property. Liability insurance covers you if you're found responsible for damaging somebody's property or paying their medical bills. If something like this happens, your liability insurance will kick in to make sure you and your landlord don't have to worry about paying for those expenses. Additional living expenses coverage makes sure you're covered when something happens to your rental property and you need temporary accommodations. This coverage can pay for things like hotel bills when you're forced out of your home or apartment.
If you need reliable renter’s insurance for your property, Beacon Insurance has you covered.