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Fire & Water - Cleanup & Restoration

Does Your Renter’s Insurance Cover You In Case of a Fire?

9/22/2021 (Permalink)

Does your insurance cover you and your belongings in case of a fire? With Fire Prevention Week approaching, it is very important to prepare for the unexpected. However, it is even more important to be prepared by knowing what your renter’s insurance does and does not cover.  

Your insurance policy can help protect your family if a fire should affect your home. Knowing what your policy does and how it covers you is crucial.  

Here at SERVPRO of Edgewater Edgewater/Deale-Churchton/Lothian, we want to give you some insight on a few ways renter’s insurance can help protect you and your wallet:  

  • Protect personal property – Your landlord’s insurance will most likely cover the building and items belonging to the landlord, but your items are not included in the coverage. You will need a policy to provide replacement value of personal property lost 
  • Prevent financial destruction from liability – Ensure that your insurance policy includes protection for your personal belongings in case you accidentally start the fire. 
  • Supply money for accommodation - Verify that your renter’s policy includes this coverage which provides for hotel fees or the expense of relocation. A disaster that occurs at your home can help you pay for somewhere else to live if the space becomes uninhabitable.  

Renter’s insurance is relatively affordable, costing around $30 a month. This coverage can protect your belongings no matter whether they are damaged or stolen. Remember, flood damage requires a separate coverage, but damage done to your home due to a fire or other disaster is usually covered. It is up to your property owner to have the adequate coverage for the building and any additions that may be included.

If you or someone you know has recently experienced fire damage to your property, contact SERVPRO of Edgewater Edgewater/Deale-Churchton/Lothian to help prevent fire damage from creating long-term problems.  

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