Do You Have Adequate Renter’s Insurance?

Everyone who rents an apartment, house, townhouse, condo, or any other dwelling should have renter’s insurance. Beyond that, it is important to have adequate renter’s insurance. Do you have adequate renter’s insurance? Here are some ways to know the answer to that important question. These tips are coming to you from Kerndt Brothers Insurance Agency serving Lansing, IA.

Amount of property

When determining whether you have enough renter’s insurance coverage, one of the key issues to evaluate is how much property you have and how much it is worth. Look at what the policy you are considering specifies related to that. And make sure you have plenty of coverage if you have a renter’s insurance claim in the future.

Particular belongings

If you have particular types of belongings, you should probably have even more renter’s insurance. For example, some renter’s insurance policies include extra coverage for items like jewelry, art, and electronics. If you have any of those, especially if they are worth a lot of money, you should pay close attention to whether you have adequate renter’s insurance for those.

Specific circumstances

Your renter’s insurance might or might not be adequate to cover certain specific circumstances. For example, many policies do not cover floods and mold. So it is extremely important that you find out whether you have adequate coverage for those. You never know when you might be faced with specific circumstances that can be very costly to handle without enough renter’s insurance coverage.

You probably have many questions about renter’s insurance, including how much coverage you need. Feel free to contact Kerndt Brothers Insurance Agency serving Lansing, IA.