Category: Renters Insurance

Some people decide to rent a home or apartment because they don’t want the responsibility of home ownership. Others rent for financial reasons. Others simply want the flexibility that renting a home can provide.

No matter your reasons, renters insurance should be a part of your financial and loss protection plans. Renters insurance provides protection, peace of mind, and value whether you are home or away. If you are a renter in Kansas, here’s how Midwest Professional Insurance can protect you at home or on the road.

Protection For Your Home

Renters insurance is designed to financially protect you from the loss of personal items in your home or apartment. Covered items can include your furniture, clothing, appliances, kitchenware, bedding, certain electronics, and more. It is important to note that this is protection usually not provided by your landlord or rental agent.

In addition, renters insurance can cover you from liability claims that can arise out of an accident injury to a visitor, family, friend, or delivery person.

While You Are Away

Not only will renters insurance cover items in your home or apartment, but personal items you take with you when traveling. This can include clothing and personal items. Contact us regarding specifics on coverage of valuable jewelry and personal electronic devices.

What To Know About Coverage

Since renters insurance applies to the personal items of a renter, it is important to know that roommates should each have their own policies. When changing addresses, you should also notify your agent of any changes.

Consult With Us

Whether you are moving out of your parents’ home, going to college, downsizing, or simply choosing to rent, secure renter’s insurance to protect you at home and away. In Kansas, contact us at Midwest Professional Insurance. We will be happy to provide a free, no-obligation quote.

Great landlords are the best. They have empathy, fix things on time, and are a pleasure to do business with. But they can’t do it all. If a disaster befalls your Kansas apartment, the expenses fall on you. You need renter’s insurance to cover your bases.

Is Renter’s Insurance Right For Your Needs?

Renter’s insurance is great for those who don’t own their homes in Kansas. It provides financial security if unexpected disasters happen. Even if your landlord has insurance, it covers the building, not your personal items. Renter’s insurance from our expert agents at Midwest Professional Insurance will protect you and your belongings.

The benefits of this coverage are:

• It provides liability protection if you hurt someone or damage their property. Let’s say you accidentally start a fire in your apartment and it spreads to your neighbor’s unit. Your renter’s insurance pays for the repair costs and legal fees.
• It pays for additional living expenses while your home undergoes repairs. If a burst pipe floods your apartment and forces you out of your home, your renter’s insurance will pay the hotel, food, and transportation bills.
• It covers your belongings when you travel. Let’s say someone steals your laptop from your car while you’re on a road trip. Your renter’s insurance will replace it.

Midwest Professional Insurance Is Here To Help

Renter’s insurance protects you when bad things happen in your apartment. With this coverage, you don’t have to worry about losing everything or paying out of pocket for unexpected expenses. The insurance packages we offer at Midwest Professional Insurance provide you with complete peace of mind and security. Contact us today to learn more. 

As a renter, you may think you don’t need to have insurance to protect your rental. That is a mistake. If you are counting on your landlord to protect you, that is another mistake. At Midwest Professional Insurance, our entire team is dedicated to providing the highest level of customer service. We recognize insurance needs to provide the right coverage at the right price. We will work with you, listen to your questions, and address your concerns.

Just because you don’t own the residence where you live doesn’t mean having no insurance is a good idea. Renters insurance offers some valuable protection that can help you to protect what you have. 

Contents

Unless you are renting a fully furnished unit, you likely have quite a lot of personal possessions. Even if you don’t have furniture, everyone has electronics, which can be quite expensive to replace. A renters’ policy will cover your laptop or tablet even if it is away from your rental. Renters insurance covers you for damage due to things like fire and also from theft or vandalism.

Liability

If someone is injured while visiting your rental or by a member of your family, even a furry one, you could end up having to pay for medical bills. If someone decided to sue you, it could help with the legal fees and a judgment against you. 

Loss of use

If a covered hazard damages your rental, you will need somewhere to stay. With renters insurance, you will be able to stay in a hotel in the first days and a temporary rental unit if it will be longer. 

At Midwest Professional Insurance, we provide our customers with friendly and dedicated service. Give our office a call or stop in to talk to one of our team.