You may think that your landlord has the building insured in case of any accidents or damage, so why should you pay for anything more? Here are a couple reasons why you should think about purchasing renters insurance in Indianapolis.
Protect Your Belongings
Although the landlord is responsible for anything that happens to the actual living structure, he or she is not responsible for anything inside it. That means that if your belongings are damaged or stolen, your landlord does not have to pay for anything. Without renters insurance, you alone would have to pay to replace your personal property. With renters insurance, on the other hand, you would file a claim to your insurer and then only have to pay the deductible, and the rest would be covered.
Keep Living Comfortably
If the space you are renting becomes uninhabitable due to damages, your landlord would cover the cost of repairs. You would have to move out of your place temporarily while it is being fixed, but in the meantime you would pay out-of-pocket for a hotel or other living accommodation. Renters insurance is beneficial because it covers your living expenses in case something like this happens.
If you are searching for renters insurance in Indianapolis, look for a company that offers these coverages to better protect yourself and your belongings.