While we can’t always predict when a disaster will strike or what unfortunate event will occur, tenant insurance policy will give you peace-of-mind. If you suffer property damage from a break-in, fire, or a natural disaster, tenant insurance will provide coverage for lost possessions or damages. Tenant insurance will also help cover any moving expenses or temporary living arrangements needed after an insured incident. Additionally, tenant insurance covers tenant’s legal liability. This provides you with legal defense for actions brought against you, caused by your negligence. For example, this is applicable if a visitor is injured in your apartment or you cause a fire that spreads to the building and damages your neighbor’s property.

Tenant negligence is the number one cause of damage to apartment units and rental homes.  Some of the most common incidents that we see are cooking fires, smoke damage, water damage from an overflow. You never know what can happen, so it is always best to ensure you are covered and give yourself some peace of mind.