Did you know that renters insurance covers these important costs?

If you're like most renters, you've probably been ignoring something important - renters insurance. Many renters don't know that they need protection, believing that if the landlord has coverage, they are covered. Believe it or not, but the owner's insurance doesn't protect the renters. To have protection in the event of a disaster, renters insurance must be attained. Here's what you didn't know renters insurance covered: Your personal property If someone steals an item from you while you're at the gym, abroad, or from your rented space, you'll be pleased to know that many renters insurance policies cover personal property wherever you are. When something is stolen, and you file a claim, you may have to show proof of ownership to your insurer. Be sure that you save receipts and record what personal belongings you have. Liability responsibility Don't leave it to the landlord to step in and help with the expenses (as they most likely won't) from a liability risk. Many insurance policies will cover the cost of medical bills if someone is injured while on your property and any legal fees that may incur if they decide to file a suit against you. Additional living expenses The landlord may need to repair the entire building when disaster strikes. That means you must stay in a hotel temporarily for an extended period. If you don't have renters insurance, there's a good chance you'll end up shelling out all costs associated with the loss of use of your apartment. Renters insurance helps you pick up the tab when you need to stay in a hotel due to a covered peril that damages your rented space. Get started on securing your reliable renters insurance by contacting the professionals at Bell Black Insurance today, serving Idaho Falls, Island Park, Driggs, Victor, Swan Valley, Ashton, and the neighboring communities in Idaho, as well as Jackson and Star Valley in Wyoming.