Category: Renters Insurance

Renters insurance is a policy offering tenants coverage for various perils and liabilities. If you rent in and around the San Antonio, TX metroplex, contact the insurance professionals at AlphaSure Affordable Insurance Services to learn about a new renters insurance policy or determine if your current coverage is sufficient.

These situations, however, are not typically covered by this policy:

Damage Caused By Certain Perils

While insurance for renters typically covers fire, vandalism, theft, and defined weather events, it doesn’t typically cover floods, earthquakes, and hurricane damage. Additional coverage can be purchased to cover those perils.

High-Value Items

Personal belongings are typically covered in a renter’s policy; however, there may be coverage limits on expensive items like jewelry, artwork, and more. These items can be covered by a rider added to the policy.

Intentional Damage/Illegal Activities

Intentional damage or that resulting from illegal activities is excluded.

Business-Related Property/Activities

Renters insurance does include coverage for business property damage or damage arising from business-related activities in the unit. Separate business insurance can be purchased.

Certain Personal Property

Certain policies designed for renters may have exclusions for defined types of personal property. Separate insurance can be bought to cover watercraft, pets, and more.  

Certain Liabilities

Personal liability coverage is usually included but may have exclusions for professional services, intentional acts, specific dog breeds, etc.

Reach Out To Us

As with any insurance, it’s critical to understand the terms, conditions, and exclusions of a renters policy. Contact the licensed professionals at AlphaSure Affordable Insurance Services in San Antonio, TX for more information. We look forward to serving your insurance needs.

Renters insurance can be a wise way to protect your belongings while you’re a renter. Your renters’ insurance policy provides protection from many different situations and circumstances. However, it can be difficult to know what’s covered and what’s not. The AlphaSure Affordable Insurance Services is happy to educate San Antonio, TX residents on the benefits of renters’ insurance as well as what’s covered. 

What’s Renters Insurance?

As a renter, tenant/renters insurance provides protection against vandalism, fires, damage from burst pipes and sewer backups, liability, loss, damage, and more. While you’re renting a home, townhome, duplex, apartment, or condo, your personal items are protected. This is similar to the type of coverage provided by homeowners insurance for homeowners. 

Will Renters Insurance Cover my Water Damaged Laptop?

Your renters’ insurance will pay for your water-damaged laptop if a pipe burst and your laptop sustain water damage, but it won’t be covered if you spill your soup on it. If a covered circumstance occurs and damages your laptop, your renters’ insurance will pay for its repair or replacement. Conversely, renters insurance will not pay for the repair of your laptop if it’s damaged due to negligence, or by an accident that you caused.

Also, your laptop will not be repaired or replaced if it stops working or malfunctions on its own, or is lost or misplaced.  We know it can be difficult to know what’s covered and what circumstances must be present for a personal belonging to be repaired or replaced.

Contact Us Today

Give us a call if you have questions about renters insurance. Our team of insurance experts at AlphaSure Affordable Insurance Services in San Antonio, TX will be happy to answer all of your questions.