Renting comes with many benefits – no mortgage, no maintenance, and no long-term commitments. It requires far fewer responsibilities when compared to home ownership, and it offers much more flexibility. However, there are still risks that come with leasing – even if you do not own the property you call home. At Billy Brown Insurance, we can help you find an affordable Wisconsin renters insurance policy that helps protect you and the things you own against the unexpected.
Delafield Renters Insurance
If you rent an apartment, duplex, townhome, or house in Delafield or the greater Southeastern Wisconsin area, we can help you build a personalized renters insurance policy that fits your needs. Your policy can include coverage for:
It can cost a lot to start over again if you lose everything due to a fire, theft, or some other covered event. Renters insurance helps reimburse you for the loss of your personal belongings, from the furniture in your apartment to the dishes in your cabinets, and even your clothes, electronics, and décor. You may be surprised to learn how much all of your possessions are worth and how much it would cost to replace them after a loss. Although there are certain exclusions, such as floods, renters insurance typically covers a wide range of devastating events, such as fires, high-winds, theft, and vandalism.
Loss of Use
If your property becomes uninhabitable due to a fire or some other covered event, your renter’s insurance can help you pay for the cost of displacement. This could include the cost of temporary lodging, as well as meals and laundry expenses until you can move back into your apartment or find a new place to live.
If you or someone in your household causes injury to another person or damage to another person’s property, you could be held liable. In fact, you may be responsible for incidents that occur as a result of negligence in your own apartment – even if you do not own the property. Liability coverage is designed to protect you against lawsuits by paying your legal fees, court costs, and any judgments levied against you for a victim’s medical bills, lost wages, property loss, and other related expenses. With certain exceptions for things like car accidents, it can even cover damages you, your child, or your pet causes away from homes, such as animal bites or bicycle accidents.
It is important to choose high liability coverage limits that will better protect you against the financial effects of litigation. Any damages that exceed the limits of your policy may be your responsibility to pay, whether you withdraw from your savings, sell your assets, or make payments from future income to cover the cost.
Renters Insurance Quotes in Delafield, WI
If you are a renter in the Delafield area, we want to help you get the insurance protection you need. As an independent agency, we shop and compare renters insurance policies and rates from multiple Wisconsin insurance companies until we find the coverage that fits your needs and budget. We can also help you find money-saving discounts that could further lower your cost of coverage.