If you are renting in Oklahoma City, OK, no state law requires you to have renter’s insurance. However, your landlord may still require you to have it as part of your lease agreement. Not having renter’s insurance can be a financial disaster since your landlord’s coverage does nothing to protect you. You want to get coverage to protect your assets.
Renters insurance in Oklahoma covers your personal property. Everything outside of real estate and your car can be considered personal belongings. If you have valuable items, such as jewelry, then you want to make sure you have enough coverage for these items since there will be limits. Not only does renters insurance protect your personal belongings, but it also helps protect your future.
Liability coverage protects you from the cost of damages, as well as defends you against the lawsuit and claim. Your current and future assets are protected. Without this coverage, a judgment against you may mean that you wouldn’t be able to save money since you are subject to pay all the damages. Loss of use coverage allows you to make up for extra expenses should your rented home become unlivable after a covered disaster. This covers things, such as hotel rooms and restaurant meals. This will allow you to maintain your standard of living. Not only are you covered by the policy, but your family is as well, and this includes your children.
When discussing renter’s coverage with your agent at S & S Insurance Services, Inc., know the difference between replacement cost and actual cash value. Replacement cost will give you the full cost of replacing your items up to the specified limit. Actual cash value factors in depreciation, so you get less for your items.
Contact S & S Insurance Services, Inc. in Oklahoma City, OK to get a quote on renters’ insurance.
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