Your landlord’s insurance only covers the building, not your personal property
If a pipe leaks and floods your kitchen, or if your home is damaged by fire or smoke, your landlord’s insurance policy covers the building.
However, that insurance doesn’t cover you or any of your personal belongings. With renters insurance, you can choose the following types of protection:
At Alaska USA Insurance Brokers, we work for you, not for the insurance company. Here’s what we do to ensure that you get the coverage that’s right for you.
Renters insurance usually covers:
Some things may not be included in your renters insurance, unless you’ve added a rider or separate policy:
Depending on the value of your jewelry and other valuable items, you may need additional coverage beyond your basic renters insurance coverage. When you discuss your insurance needs with your broker, they can help you decide whether you need additional coverage for valuable personal property.
Liability coverage can protect you if there’s an accident or injury at your home. For example, if a guest falls or is bitten by a pet, that would typically be covered by liability coverage.
If you run a business from your home, you may need additional coverage beyond a typical renters policy. Your broker can help you decide what kinds of coverage you need.
“I switched my renters insurance to Alaska USA from (another insurance company). It was only a few dollars cheaper, but my coverage nearly doubled!”
– Kristina F
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