What is Covered Under Renters’ Insurance Policy?

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What is Covered Under Renters Insurance Policy?
2
An Overview

• Renter's insurance is a type of policy that
  provides coverage for the belongings inside a
  rented home. It falls under home insurance plans
  specifically designed to protect the contents of
  a residence. The term "renter's insurance" is
  used because tenants typically purchase this type
  of insurance to safeguard their personal
  possessions within the rental property. Rider
  Insurance is an independent insurance agency that
  provides renters insurance in Maryland.

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A renter's insurance policy offers coverage that
can be divided into the following categories
01

• Coverage for The Contents of the Home

02

• Coverage for Financial Liability

03

• Coverage for Special Assets

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Coverage for The Contents of the Home

• A renter's insurance policy provides coverage for
  the belongings within a home, protecting them
  against various risks such as fire, theft,
  natural disasters, human-caused incidents,
  electrical breakdowns, and accidental damages.

5
Coverage for Financial Liability

• In addition to protecting the contents of the
  home, a renter's insurance policy also includes
  coverage for the legal liability that a tenant
  may face in the event of someone getting injured
  on the premises. For example, if an individual
  who is not the tenant, their family, or the
  landlord sustains an injury while at the tenant's
  home, the tenant could be held financially
  responsible for the injured person's medical
  expenses. This type of legal liability is also
  encompassed within a renter's insurance policy.

6
Coverage for Special Assets

• This coverage extends to protect the tenant's
  valuable possessions, which may include
  high-value items such as jewelry, expensive
  electronics, artwork, and collectibles. These
  assets are safeguarded against potential damage
  caused by natural or human-induced disasters, as
  well as theft.

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