Why Do I Need Renters Insurance?

A good renters insurance in Overland Park, KS, provided by HighPointe Insurance Services LLC, can prove to be the right decision. There are some major reasons why you should consider renters insurance, some of which have been discussed below. 

Provides Liability Coverage

One of the most important benefits of insurance policies is that they help you to cover liabilities. In this case, renters insurance can help you to cover some of the liabilities that you might incur when someone is injured on your property. 

Provides Coverage to Your Properties

You might have a perception that you do not own much personal property. However, when you add them up, appliances, furniture, and clothing might turn out to be a huge investment. When you lose such properties, renter’s insurance will help in replacing them. 

Covers Your Items when You Travel

When traveling, people are always scared about their properties back at home. Others lose some items as they travel around the world. In such situations, renters insurance comes in handy and provides the necessary coverage. You should always get clarity from your insurance company about coverage when traveling. 

Covers Additional Living Expenses

Living expenses are likely to add up when your home has some problems. For example, a major repair might be required forcing you to stay in a hotel. Renters insurance will cover the extra living expenses for the duration you will live in the hotel. 

Renters Insurance is Required by Landlords

Some landlords are very strict about renters insurance. You will not get a unit without having such insurance policies. If your landlord is concerned about renters insurance, you have no other option but to have one. 

Working with the Best Insurance Company

As you can see, renters insurance is needed in Overland Park, KS. However, getting it from the best insurance company like HighPointe Insurance Services LLC will make the difference. Not every insurance company in the market will offer what you need.

Two Ways That Umbrella Insurance Protects You

When you have your important insurance policies in place, including your home and auto policies, you may feel well covered. However, some parts of these policies are simply way too low to help in case of a serious incident. If you want to be better protected, contact us at Highpoint Insurance Group in Dadeville, AL to find out more about umbrella insurance. 

Supplement Your Home Insurance

When you have a home insurance policy in place, it includes a few different types of coverage for your home. One of these is liability protection in case someone gets sick or injured in your home. This amount of liability insurance is generally small, and a serious accident or illness can easily max out the payment and leave you to pay the rest. With umbrella insurance, you are given more liability insurance for your home policy. It has a high maximum payout, and it will be less likely that you will have an overage to pay. 

Supplement Your Auto Insurance

Another way that umbrella insurance protects you is to add extra liability coverage to your auto insurance. While increasing your liability coverage through your auto insurance would be expensive, an umbrella policy is relatively low in price. Once you have had an accident that is your fault, there may be many medical bills and repair bills that you are liable for. Once your auto insurance maxes out, your umbrella insurance kicks in and pays up to a much higher maximum. This can protect you from lawsuits and financial ruin. 

Get Umbrella Insurance

To get your own umbrella policy for better coverage for your home and car, contact us at Highpoint Insurance Group in Dadeville, AL. Better insurance coverage from an umbrella policy can mean protection for your financial future.