Perry County Renters Insurance

If you rent a house, apartment or condo, you might think your landlord's insurance policy will cover the damage or loss of your personal property. Unfortunately, this isn't the case. If you lose your possessions due to events such as lightning, fire or theft, you'll have to bear the entire cost of replacing them — unless you carry renters insurance. Reisinger Insurance Agency Inc. is your source for affordable renters insurance in New Bloomfield and throughout Perry County.

What Does Renters Insurance Cover?

Renters insurance — also referred to as tenants insurance — provides coverage for contents such as clothing, furniture, computer equipment, bicycles and related possessions — essentially all the personal property you keep in your dwelling. Traditionally, renters coverage only applied to loss or damage resulting from weather-related perils such as fire, wind, hail, lighting and burst water pipes, as well as non-weather events like theft and vandalism. The coverage would only apply to the dangers specifically listed in the policy.

However, many insurers now offer an "all-risk" renters policy. This coverage applies to all perils except for those listed in the policy's exclusions or limitations section. Consequently, an all-risk plan typically provides more comprehensive coverage than a standard renters insurance policy.

What Doesn't Renters Insurance Cover?

As with homeowners insurance coverage, renters coverage does not apply to flood damage — you'll need to purchase a separate flood insurance policy if you live in a flood-prone area. It also won't protect against damage related to business pursuits or when rendering professional services. Review your plan carefully — particularly the exclusions and limitations sections — for a list of specific non-covered perils.

Is Renters Insurance Expensive?

Tenants insurance is highly affordable since you only need it to cover the contents of your dwelling, not the structure itself. If you choose the same carrier that provides your auto insurance, you may be able to bundle the two policies together and receive a discount. In some cases, the amount you save by bundling will be enough to cover the annual premium of your renters insurance plan.

When you consider that without renters coverage, you might have to pay thousands of dollars out of your pocket to replace your lost or damaged possessions, you really can't afford to go without the protection renters insurance offers.

Reisinger Insurance Agency Inc. Can Provide the Right Tenants Insurance Plan for Your Needs and Budget

Reisinger Insurance Agency Inc. is a local, family-owned and operated insurance agency that has been serving Perry County since 1955. As a licensed renters insurance provider in PA, we deliver the right coverage for your needs at a price you can afford. We now offer all-risk renters coverage from Erie that gives you comprehensive protection for your dwelling's contents. You'll sleep better at night knowing that an event such as fire, theft or water damage won't result in a financial catastrophe.

Contact us to learn more about your renters insurance coverage options or to request a no-obligation quote today.

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