Home insurance in memphis, tn and surrounding areas
Renters Insurance You Can Trust
Have you recently moved into a new house or apartment? If you are a renter, then you may be questioning if it's really necessary to purchase your own insurance policy. Sure, you would have to buy insurance if you were the homeowner – but do you really need it as a renter? The truth is, renters insurance is incredibly important for you as a tenant to ensure you're protected against financial liability, damage, and more.
Why landlord insurance
Rental Insurance Protects You
You may wonder if purchasing a renters insurance policy is necessary if your landlord or property owner has an insurance policy for your home. This is a common misconception, but homeowners' policies only protect your landlord’s property—not yours. If your apartment were to flood, repairing the building would be covered by your landlord’s insurance policy, but you would be responsible for replacing any personal belongings that were damaged. Renters insurance provides great peace of mind for the protection of your possessions and your pocketbook.
Renters insurance is necessary if you meet the following criteria:
- You are renting a house or apartment
- You want to protect your possessions from damage, theft, or loss
- You don’t want to be liable for injuries that people suffer in your home
While the law does not require you to carry renters insurance, purchasing a policy is a smart financial investment. Depending on your landlord, you may be required to purchase renters insurance when you sign your lease. When you carry renters insurance, you protect yourself and your landlord from potential liabilities and damages to the property. These policies help bridge the gap between the coverage your insurance and your landlord’s insurance provider.
We have more than renters insurance in common
Why Are We Unique
We want to meet your budget, but we also want to meet the proper protection. Sometimes the price and the value are different. Renters insurance can't be taken lightly.
As an agency, we have focused on designing your policy to cover your unique needs. Renters insurance has to be designed with great care.
In our minds, protecting you is like really protecting us. We live in the same community as you. We want what's best for our neighborhood. Memphis is one of many things that connect us.
If you're interested in learning more, we are here for you.