The ‘pros’ of Renters Insurance:

An insurance policy is designed to protect your best interests. Our team is ready and able to assist you in getting the right quote, recommendations, and coverage to meet your needs. For more information on how we can help find the right renter’s insurance policy in your state, contact the team at Chad M. Lewis Insurance Agency today!

While our office is located in Virginia, we are licensed in multiple states: Virginia, West Virginia, Maryland, Pennsylvania, North Carolina, South Dakota, Montana, South Carolina & Tennessee.

Understanding Renter’s Insurance

As a renter, your landlord may require you to have a renter’s insurance policy. This type of policy may have certain stipulations. It’s important to work with a trusted agent to point you in the right direction. Our team at Chad M. Lewis Insurance Agency can help you find the policy you need at a price that agrees with your budget.

Why would I need Renter’s Insurance?

Many complexes and owners want to know they won’t be sued in the event something happens to your belongings. While they are responsible for ensuring the dwelling and structure are sound, they could run into even more expenses if they are faced with replacing your items. Renter’s insurance also helps you replace items that may have been compromised, damaged, or stolen from fire, theft, or something else. Most general policies include personal property, liability, additional living expenses, and limited medical payments.

What does Renter’s Insurance Cover or Not Cover?

Renter’s Insurance does have a few exclusions, such as flood insurance. You may also have issues if you have a dangerous dog, and they harm someone. Your automobile is not covered and will require a separate automobile policy. There are also limits on the amount of property coverage. If you have several valuable items, it’s best to work with your insurance agent for an add-on policy that provides extra protection.