New Jersey Renters Insurance Coverage

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Renters Insurance Coverages

Renters Insurance

New Jersey Renter's Insurance

Do you need insurance if you live in a rented house? The owner of the house will have insurance for their building, but this means that anything you own in your rented house is not covered. This gives a reason to have renters insurance, and it may be required by your lease. Renters insurance is designed to protect you and your belongings from damages and liability in your rented home or apartment. At Castillo and Associates, Inc. in New Jersey, we are an independent insurance agency providing insurance to residents around the state. We have modern tools of management that help us offer our clients excellent services. Our renters' insurance offers but is not limited to the following coverage options:

  • Personal belongings coverage: If your personal belongings (furniture, clothes, electronics, etc.) are stolen or damaged, the financial loss can be substantial. Replacing them can be very expensive. This coverage pays for the cost of replacing your personal belongings.
  • Liability coverage: This coverage protects you if a guest is injured or their property is damaged while they are at your house or apartment. It pays for any liability that might arise including the cost of defending yourself in a court of law if you are sued.
  • Additional living expenses: Your rented house can become damaged to the point of being uninhabitable. This coverage pays for the cost of hotel accommodation and other expenses as your house is being repaired.
  • Protects your car: Your car insurance might not protect belongings in your car. This coverage protects you if your car is broken into and your belongings were stolen.

The coverages in a renter's insurance policy will depend on your needs and the risks you face. For instance, if you own expensive things like collectibles, you can include a coverage when purchasing your policy. If you need renters insurance, call or visit us at Castillo and Associates, Inc. in New Jersey. Our agents are experienced, and they will help you acquire a policy that matches your lifestyle.

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