Renters Insurance in Alabama

When you move to a new home or apartment in Tuscaloosa, AL, there is a lot to check off on your to-do list. There are many important things to do when renting, from checking the WI-FI connectivity to unpacking. Unfortunately, one crucial thing usually falls through the cracks: renters’ insurance. Ignoring renters’ insurance from Baldo-Downs Insurance LLC can expose you to numerous unexpected costs — something you don't want after a stressful move.

What is renters’ insurance?

You might think you don't need any coverage since the landlord has insurance. Unfortunately, the landlord's insurance only covers the building and liabilities occurring in common areas. For your personal property and liabilities, it's your headache.

What does renters’ insurance cover?

Are you shopping for renters’ insurance in Alabama? You are on the right track. This coverage is a worthwhile investment because it covers you in the following areas.

Personal property protection

If a thief breaks into your apartment and steals your laptop or fire ravages your dwelling destroying your clothing and furniture, renters’ insurance compensates you for the damage. The same applies even when you lose your assets while on the go.

Liability protection

Are you accused of causing property damage to a neighbor? Have you, your pet, or a family member been held responsible for inflicting injuries to a third party? Your renter's insurance can protect you in such incidences. Renters insurance covers you when legally held accountable for causing injuries and property damage to other people.

Loss of use coverage

Suppose a nearby tree falls on your condo, making it unlivable. While repairs are taking place, you may have to look for a temporary shelter. In the process, you may incur gas, food, accommodation, and laundry expenses that you wouldn't incur if you were in your condo. Thankfully, condo insurance covers additional living expenses when your dwelling is uninhabitable.

Renters insurance in Tuscaloosa, AL

Are you shopping for affordable renters’ insurance? Please get in touch with Baldo-Downs Insurance LLC for a competitive quote.