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 Renters Insurance

Renters insurance can protect your belongings in case of disaster.

Renters face the same risk as homeowners in cases of disasters striking their dwelling. Your landlord or condo association may have insurance, but this only protects the building, not your things in it.

By purchasing renters insurance, your possessions are covered against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and water damage (not including floods).

Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or a pet and pays legal defense costs if you are taken to court.

It also covers your additional expenses if you are unable to live in the property because of a fire or other covered peril. Most policies will reimburse the difference between additional living expenses and your normal living expenses but still may set limits on the amount they will pay. 

Protect your apartment or rental house — and your possessions — with renters insurance from. Renters insurance covers damages to your possessions when you rent rather than own your home.

If you already know what kind of renters insurance policy you need, get a renters insurance quote from Express Auto Insurance today!

What is Renters Insurance?

If you rent your home, having insurance protection for yourself and your possessions is still important. Similar to home insurance, renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances your landlord’s policy doesn't cover.

Renters insurance typically provides coverage, up to the limits you select, for specified items and situations, including:

  • Personal property (furniture, electronics, computer equipment, clothing, etc.)
  • Personal liability if someone is hurt, whether in your home or away from it
  • Damage to your apartment or home caused by a covered loss

Imagine going to dinner or a special family get-together, and when you return home, you're greeted by the flashing lights of police cars and fire trucks. Building fires and damage can happen anytime, anywhere, but with proper renters insurance, your personal property inside your apartment will generally be covered if it’s affected by any of the following:

  • Fire
  • Smoke damage
  • Theft
  • Collapse of the building due to weather
  • Water leakage or overflow
  • Freezing of plumbing, air conditioning and more

Renters insurance will protect you from incidents that occur while you're at home, too, such as a toaster catching on fire or a friend slipping and falling while visiting you. Renters insurance provides coverage for your own items, and it provides coverage for other people's injuries or damages in situations for which you're liable, as well.

You can't rely on your landlord's insurance to cover your valuables — landlord insurance only covers the building structure and not your personal property.

Renters insurance, sometimes referred to as an HO4 policy, can provide the financial protection you need in case your possessions are destroyed or stolen, as well as liability protection if someone is hurt in your dwelling.

Before you shop for renters insurance, take an inventory of what you own to decide what level of coverage makes you comfortable. Then, get a renters insurance quote from Express Auto Insurance and choose the policy that's right for you. We do more than cheap Las Vegas Auto Insurance

  Give us a call today and let Express Auto Insurance find you the best rate and coveage for your Nevada Renters Insurance

Thank you for visiting Las Vegas Auto Insurance, Reno Auto Insurance and Carson City Auto Insurance. The information contained herein presents general information about our agency and is not intended to constitute legal or insurance advice. Also, before acting on any of the materials presented here, we advise you to please speak to a licensed Nevada Insurance agent before taking any action.  In no event Express Auto Insurance or its affiliate companies be liable for any lost profits or damages, including direct, indirect, consequential, exemplary, special or any other type of damages arising out of, or in connection with, the use of any information provided in this Las Vegas Auto Insurance website.  

Express Auto Insurance LLC
Las Vegas Area  702.907.0000
Reno and Carson City Area   775.502.0000
Email: Info@GoExpressAutoInsurance.com

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