Pennsylvania Renters Insurance Coverage

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Renters Insurance

Dott Insurance Group Offers Renters Insurance For Pennsylvania Residents

If you rent your living quarters, you may believe your landlord’s insurance covers your personal effects, but this is not the case. Although you may not feel you have many possessions, replacing damaged or stolen goods can add up to thousands of dollars. At Dott Insurance Group LLC, we can help you acquire renters' insurance coverage to protect you against expensive losses.

Who Needs Renters Insurance?

The insurance your landlord holds on the property you rent covers the structure itself and certain attached items. Unfortunately, it will not cover your loss if you should experience a fire, theft, vandalism, or water damage from other apartments. Even if you don’t think you have many possessions, damaged clothing, furniture, electronics, artwork, and other personal items would cost a considerable amount of money to replace. Renters insurance is designed to help defray these replacements costs and also offers other benefits.

Types of Renters Insurance Coverage

The best way to determine how much renters insurance you need is by creating a household inventory list. This list can provide information on how much it would cost to replace your possessions if an incident should occur. Renters policies can pay ‘actual cash value” or “replacement costs.” Items that decrease in value would be paid at the current value and cost less. Policies for “replacement cost" provide more money to replace items at today’s prices and are more expensive.

Make Dott Insurance Group LLC Your Agent for Renters Insurance

If you have questions about renters insurance, our experienced agents can provide answers about the benefits of coverage. We offer a variety of insurance products, including home, auto, life, and business. Contact Dott Insurance Group LLC for a free, no-obligation quote on renters insurance to help secure your financial stability while you rent.