Renting can be an affordable option to buying in Virginia. Whether you’re in a house or an apartment, renter’s insurance can offer protection for you. Learn more about how a policy can provide coverage with the help of us at Lucas Brothers Insurance Services.
Renters insurance is often a requirement when you’re renting a property in Virginia. Your landlord may identify not only that you need to have a policy but also request it for a specific amount. Many rental contracts will require you to have proof of insurance to comply with your agreement.
Even if no insurance is required, it can provide you with added peace of mind that you have coverage on everything within your home. After all, you don’t want to be personally responsible for repairs and replacements.
It’s important to have renter’s insurance as it covers everything that your landlord’s insurance doesn’t. They cover the actual building that you’re living in but not any of your personal belongings. This includes your furniture, appliances, and even vehicles that you have parked on site. If there is a fire or storm, you want anything damaged properly protected. If there is a break-in, you want to know that your items can be replaced.
You never know what could happen to your home, so it’s best to be covered. You can choose a policy that provides enough protection for everything you own. All sorts of customizations can be made to ensure that a claim is covered in its entirety. The only thing you would be financially responsible for is the deductible.
Find out more about getting renters insurance that you can depend on in Virginia. Call us at Lucas Brothers Insurance Services to get help from our independent insurance agents. We can help you to find affordable premiums to ensure that you’re compliant with landlord requirements and have the protection that you need.
