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Protect What Matters | Protege lo importante
YOU MAY NOT OWN THE BUILDING — BUT YOU STILL HAVE A LOT TO PROTECT.
ADDITIONAL LIVING EXPENSES
IF A COVERED LOSS MAKES YOUR RENTAL HOME UNINHABITABLE, YOUR POLICY MAY HELP WITH CERTAIN ADDITIONAL COSTS OF TEMPORARY LIVING ARRANGEMENTS, SUBJECT TO POLICY LIMITS AND CONDITIONS.
WHAT CAN RENTERS INSURANCE HELP PROTECT?
PERSONAL LIABILITY COVERAGE
MAY HELP PROTECT YOU FINANCIALLY IF YOU ARE LEGALLY RESPONSIBLE FOR CERTAIN BODILY INJURIES OR PROPERTY DAMAGE TO SOMEONE ELSE.
MEDICAL PAYMENTS TO OTHERS
DEPENDING ON THE POLICY, COVERAGE MAY BE AVAILABLE FOR CERTAIN MEDICAL EXPENSES WHEN A GUEST IS INJURED AT YOUR RESIDENCE, REGARDLESS OF FAULT, SUBJECT TO POLICY CONDITIONS AND LIMITS.
THINK ABOUT EVERYTHING INSIDE YOUR HOME.
LOOK AROUND YOUR APARTMENT, RENTED HOUSE, OR CONDO.
YOUR CLOTHES.
YOUR FURNITURE.
YOUR TELEVISION.
YOUR COMPUTER.
YOUR PHONE AND ELECTRONICS.
YOUR KITCHEN ITEMS.
YOUR PERSONAL BELONGINGS.
HOW MUCH WOULD IT COST TO REPLACE THEM IF MANY OF THOSE ITEMS WERE DAMAGED OR DESTROYED AT THE SAME TIME?
THAT IS A QUESTION WORTH ANSWERING BEFORE A LOSS OCCURS.
YOUR LANDLORD'S INSURANCE IS NOT YOUR RENTERS INSURANCE.
ONE OF THE MOST IMPORTANT THINGS FOR RENTERS TO UNDERSTAND IS THE DIFFERENCE BETWEEN THE LANDLORD'S PROPERTY AND THEIR OWN PROPERTY.
THE LANDLORD'S INSURANCE GENERALLY PROTECTS THE LANDLORD'S INSURABLE INTEREST IN THE PROPERTY AND DOES NOT REPLACE A TENANT'S RENTERS INSURANCE.
YOUR PERSONAL BELONGINGS AND PERSONAL LIABILITY REQUIRE THEIR OWN CONSIDERATION.
DO YOU KNOW HOW MUCH YOUR BELONGINGS ARE WORTH?
MANY PEOPLE UNDERESTIMATE THE TOTAL VALUE OF EVERYTHING THEY OWN.
REPLACING MULTIPLE ITEMS AFTER A COVERED LOSS CAN BECOME EXPENSIVE QUICKLY.
CREATING A BASIC HOME INVENTORY — INCLUDING PHOTOS, RECEIPTS WHEN AVAILABLE, AND ESTIMATED VALUES — CAN HELP YOU BETTER UNDERSTAND HOW MUCH PERSONAL PROPERTY YOU NEED TO PROTECT.
CERTAIN HIGH-VALUE ITEMS MAY ALSO HAVE SPECIAL LIMITS OR REQUIRE ADDITIONAL COVERAGE, DEPENDING ON THE POLICY.
RENTING DOES NOT MEAN YOU HAVE NOTHING AT RISK.
YOU MAY NOT OWN THE BUILDING, BUT YOU CAN STILL FACE THE FINANCIAL CONSEQUENCES OF:
DAMAGE TO YOUR PERSONAL BELONGINGS.
THEFT OF COVERED PROPERTY.
CERTAIN LIABILITY CLAIMS.
CERTAIN INJURIES INVOLVING GUESTS.
TEMPORARY LIVING EXPENSES AFTER A COVERED LOSS.
THE QUESTION IS NOT ONLY WHETHER YOU RENT.
UNDERSTAND YOUR PROTECTION BEFORE YOU NEED IT.
AT ORION GUARD INSURANCE, WE HELP YOU REVIEW YOUR SITUATION, UNDERSTAND IMPORTANT COVERAGE OPTIONS, AND EXPLORE AVAILABLE INSURANCE SOLUTIONS BASED ON YOUR NEEDS AND ELIGIBILITY.
UNDERSTAND YOUR RISK.
UNDERSTAND YOUR COVERAGE.
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