Renters Insurance in Minnesota

If you rent a property in Plymouth, MN, it is good to consider renters insurance. Most renters believe that as long as the landlord has insured the building, they do not need renters' insurance. Unfortunately, that is not true. The landlord's insurance only covers the building and not the contents inside. Therefore, if there is a disaster, your belongings are not covered. And as Prokop Insurance Services explains to Minnesota residents, here is why you need renters insurance.

Provides Liability Coverage

If there is an accident in your home where you are at fault, and a guest ends up being injured or their property damaged, your insurance company will cover the damage. That includes the medical expenses and the cost of replacing the damaged item. This ensures you do not go back into your pocket to cover these costs.

Covers Loss of Use

If a covered loss damages your home, say a fire or natural disaster, and it becomes uninhabitable, you may be forced to move out as the repair work is done. Renters insurance will cover the costs of temporary accommodation, including food and transport.

Personal Property Coverage

Property inside your home, like furniture, appliances, electronics, and art pieces, are covered under this policy. If any of it is damaged by a covered loss like water damage or fire, renters insurance will help you repair and replace these items up to the limits of your policy.

When it comes to renters insurance, you need to be equipped with the proper knowledge. When buying renters insurance in Plymouth, MN, you need to talk to a knowledgeable agent who will help you choose the right policy. At Prokop Insurance Services, we serve the people of Minnesota with pride. Our agents are also skilled and will ensure you get the answers to all your questions. Give a call today, and we can help tailor the right policy for your rental home.