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Mountain Home, AR 72653

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Will renters insurance cover the repair or replacement of my cell phone if I accidentally drop it in the kitchen sink?

Similar to homeowners insurance, renters insurance covers many areas for people who live in rented spaces. This insurance is designed to provide liability coverage, as well as coverage for your personal belongings if they’re damaged or stolen. Our team at Affordable Insurance Inc takes pride in helping Mountain Home, AR renters get the protection and coverage they need through renters’ insurance. 

What is Renters Insurance?

Renters insurance is designed to provide coverage for your personal belongings in your rented space. Typically, renters insurance will cover your personal belongings in a house or apartment that you’re renting. Your personal belongings are protected from damage, theft, and vandalism.

For example, if your personal items are stolen from your car, these items will be replaced even though they weren’t stolen from your rented space. The coverage extends to the personal items in your car as well. 

However, renters insurance differs from homeowners insurance in that it will not cover your dwelling or the structure of your rented space. However, you will need to discuss the coverage terms of your rental insurance because some situations may not be covered by rental insurance. 

Will renters insurance cover the repair or replacement of my cell phone if I accidentally drop it in the kitchen sink?

Perhaps. Accidents you cause that damage your personal items aren’t typically covered by renters insurance. However, there may be some situations where accidentally dropping your phone in water might be covered.

The coverage guidelines and eligibility requirements will determine what’s covered by your renters’ insurance policy.

Looking for Insurance in Mountain Home, AR?

If you have questions about renters insurance, call us at Affordable Insurance Inc. We’d be happy to answer all of your questions.

What types of events does rental insurance cover?

You probably know that your rental insurance will cover you if your apartment is burglarized or damaged by a fire. Affordable Insurance Inc in Mountain Home, AR wants you to know that it can also cover you for floods, earthquakes, and even theft of personal belongings while you’re on vacation.

What types of events does rental insurance cover?

Burglary and Property Damage

If your apartment is burglarized, your rental insurance will reimburse you for the cost of any stolen items, up to your policy limit. It will also cover the cost of repairing any damage that was done to your apartment, such as a broken window or door.

Fire Damage

If a fire damages your apartment, whether it was caused by a cooking accident or something else, your rental insurance will again reimburse you for the cost of any stolen or damaged items, up to your policy limit. It will also help pay for any necessary repairs to your apartment.

Flood Damage

Even if you don’t live near a river or ocean, flash flooding can occur anywhere there is heavy rain. If your apartment is flooded, rental insurance can help pay for the cost of repairs as well as the cost of replacing any damaged or destroyed belongings.

Theft of Personal Belongings

Your rental insurance will also cover you if your personal belongings are stolen while you’re away from home on vacation. For example, if your laptop is stolen from your hotel room, your rental insurance will reimburse you for the cost of replacing it.

Contact Us Today

Renter’s insurance can cover a lot more than just damage to your apartment. If you have any questions about what does and does not fall under your policy’s coverage, be sure to contact Affordable Insurance Inc in Mountain Home, AR for more information.

How Does Renters’ Insurance Work?

When you rent your home, you need insurance on it to keep yourself protected from a number of financial dangers. Unlike home insurance, your renters’ insurance doesn’t cover the home itself. That coverage is the responsibility of the actual owner. Renters’ insurance instead offers a number of different types of protection all in one policy. If you need a renters’ policy, call us today at Affordable Insurance Inc in Mountain Home, AR.

Protection for Your Belongings

Most of what you own is likely in your home, and it should be protected by insurance. Many people seek out renters’ insurance specifically because it protects their possessions, though it does offer a number of other kinds of protection. When a covered event happens, such as a disaster, and your items are destroyed or damaged by it, your renters’ insurance policy will pay for the items to be repaired and/or replaced. This coverage is valuable for every renter. No one wants to have to start over after a big incident ruins their things. 

Accommodation Protection

If something does happen and your rental becomes unlivable, it can be tough to afford to go somewhere else to live while it is being fixed. However, this is exactly what your renters’ insurance policy will pay for. It will help you to move and to stay somewhere else until your rental is habitable again. This is an important protection for your standard of living. It can also prevent you from having a financial disaster if you do have to live elsewhere for a while. 

Get Your Renters’ Policy

If you rent, renters’ insurance is a must. It may even be required by your landlord. If you don’t yet have a policy for your rental, contact us today at Affordable Insurance Inc in Mountain Home, AR to find out more.