Renters Insurance in Rhode Island

Getting protection for your home is not just for property owners but is also a crucial benefit that renters can enjoy. If you are looking for renter’s coverage within Rhode Island, Kingston Insurance Agency LLC has you covered. Below, we outline some of the coverage options to expect to keep your home secure.

Personal Property Coverage

Renters insurance protects your personal property when it suffers damage during covered perils such as fire, theft, vandalism, and hail. This means that the costs of replacement or repair will be catered for by renter’s insurance, ensuring that possessions such as furniture, clothing, and electronics are kept secure. If, however, you have expensive belongings in your South Kingstown, RI apartments, such as fine art or jewelry, these may need separate coverage.

Liability Coverage

Liability coverage caters to two options, the first one being property damage coverage. Under this, your renter's insurance will help you pay for damages to other parties' property, such as vehicles. If you are also sued, renter’s insurance will reimburse you for legal expenses arising from your lawsuits, such as legal fees and compensation.

The second option is medical payments coverage which reimburses you when other parties get injured in your home. Costs covered under this are related to medical bills arising from bodily injury harm.

Additional Living Expenses Coverage

Also referred to as loss of use coverage, additional living expenses offer protection when your home becomes uninhabitable. Situations that may give rise to this condition include destruction during a fire or other perils such as hail. When this happens, renter’s insurance will cover your additional living expenses, such as the cost of your meals and accommodation expenses. If you also incur additional costs such as traveling expenses, your coverage will also cater to this.

To find out more about renters’ insurance within Rhode Island, contact Kingston Insurance Agency LLC today. Our policies are designed to offer you peace of mind while living in South Kingstown, RI.