As a tenant you may not think a lot about renters insurance. However, it is highly important for providing protection to your personal property against potential threats.

Regardless if you rent a house in a quiet suburb or have an apartment in the heart of Columbia SC, it's essential to have renters insurance. Most of the time, individuals think their personal possessions are insured under their landlord's policy. But, this is a common misconception.

The landlord’s insurance policy usually covers the structure of the building and any fixed appliances. On the other hand, this does not include a renter's personal possessions if they suffer from damage or theft.

In other words, if a disaster like a fire, burglary or flood damages or destroys your belongings, it falls on your shoulders to replace your damaged goods, unless you have a renters insurance policy to cover you.

Investing in coverage for renters can help you get safeguarded from potential lawsuits. For more info instance, if a visitor slips and falls within your rented property and decides to sue, your insurance can help cover the legal expenses and potential payouts.

To sum up, renters insurance offers much-needed protection for tenants, and it could be a valuable investment. Whether you rent in Columbia SC’s downtown or in its suburbs, it’s time to consider protecting your possessions with renters insurance.