Category: Renters Insurance

A homeowner’s insurance policy is designed to safeguard your property in the event of theft or a disaster causing significant damage. It also includes other aspects, such as liability coverage. As a renter, it might seem unnecessary to invest in such insurance as you don’t specifically own the property. Moreover, if your landlord already owns an insurance policy, you may feel that’s enough protection. But is that actually the case? Let us at Ken Boldt Insurance Agency II Inc. help you unravel this complex issue and understand what coverage you need as a renter in Green, OH.

Is Renter’s Insurance Necessary If Your Landlord Is Already Insured? Yes

The landlord’s insurance is intended to protect the property the landlord owns. However, it doesn’t necessarily extend this protection to you as a renter. Your landlord’s insurance won’t cover situations such as personal injuries within your rental, theft or destruction of personal belongings, or additional expenses if you are forced to vacate your home. The landlord’s insurance is designed to safeguard the landlord, not the tenant. Hence, it would be best if you had renter’s insurance for comprehensive coverage, including protection against emergencies and coverage for all the belongings within your rental.

Looking for Renter’s Insurance? Partner with Ken Boldt Insurance Agency II Inc.

Are you looking for renter’s insurance that provides comprehensive protection? Ken Boldt Insurance Agency II Inc. in Green, Ohio, is prepared to help you identify a policy that suits your unique needs. You can compare quotes today or contact our team for additional support in your insurance journey.

As remote work becomes increasingly prevalent in and around Green, OH, many professionals have set up home offices to accommodate their work-from-home arrangements. While a home office provides convenience and flexibility, it’s essential to consider the insurance implications of operating a remote workspace within your rented property. 

Securing Your Home Office Equipment and Assets

For professionals working from home, most of their work-related assets are likely located within their home office. This includes computers, monitors, printers, office furniture, and specialized equipment. Renters insurance can help protect these assets in several ways:

• Personal Property Coverage: Renters insurance typically covers personal belongings, which includes your home office equipment and furniture. In the event of theft, fire, or other covered perils, your insurance policy can reimburse you for replacing or repairing damaged or stolen items.
• Valuable Items Coverage: If you have high-value items like expensive computer equipment or specialized tools, consider adding a valuable items endorsement to your renter’s insurance policy. This ensures that these valuable assets are adequately protected.

Liability Protection for Your Home Office

Another critical aspect of renters insurance is liability coverage. If a client, colleague, or delivery person is injured while visiting your home office, you could be liable for medical expenses or legal fees. Renters insurance can provide liability protection, covering these costs and helping you avoid financial hardship.

Additional Living Expenses

Renters insurance can assist with additional living expenses, such as hotel bills or increased food costs. At the same time, your rented residence is being repaired or replaced if you should have to stay elsewhere.

Ken Boldt Insurance Agency II Inc. Can Help You

At Ken Boldt Insurance Agency II Inc., we can help answer questions concerning renter’s insurance. We serve the Green, OH area. Contact us today. 

There are many types of insurance, including homeowners, care insurance, commercial insurance, etc. Today we are going to talk about renters insurance. There are a percentage of people who think renters insurance is pointless and a waste of money. Our team of insurance experts at Ken Boldt Insurance Agency II Inc in Green, OH beg to differ.

Here is why renters insurance is important to have:

The landlord’s insurance does not cover you

Landlords are required to have their insurance for the property. Many believe that their landlord’s insurance covers them. The landlord’s insurance only covers the structure of the property in the event of a fire or other natural disaster.

Your belongings are protected

You may believe that your stuff is not worth anything, and there is no reason to have renters’ insurance for your belongings. If you look around, you might find that it would take a lot more to replace all the electronics, clothes, furniture, etc. that you have.

Additional living expenses

If something happens to the place that you are renting, your insurance can help cover the costs of hotel rooms or other places, as well as the costs of other living expenses while you are there.

Liability coverage

Contrary to popular belief, renter insurance covers not only your belongings. It also covers you in case someone gets hurt at your home or because of something that you did outside of your home. It covers medical bills because of liability and if someone sues you.

It is sometimes required

Some landlords require you to get renters’ insurance before you even sign the lease.

It is affordable

Some people don’t have renters’ insurance because they think they can’t afford it. Renters’ insurance is cheaper than most people think.

Give Us A Call

Stop by or contact us to get a quote at Ken Boldt Insurance Agency II Inc in Green, OH.

The Ken Boldt Insurance Agency II Inc. is here to serve the insurance needs of the greater Green, OH community. If you are getting ready to move into a new apartment, or you’ve never protected your current place, now is the time to start thinking about renter’s insurance!

ABCs of renter’s insurance

When it comes to renter’s insurance there is still a lot of misinformation floating around. Too many people believe that they are covered under their landlord’s policy. In fact, this is not the case. While your landlord will have a policy in place to protect the building and any common areas, this protection will not extend to your unit.

It is important to have your own renter’s insurance policy in place to protect your belongings. This type of insurance can also protect you from damage caused to the building that impacts your apartment, depending on the policy.

Now is the time to get a renter’s policy in place! Don’t delay getting this important coverage any longer. And, depending on the policy that you select, your items may be protected from theft even when the incident occurs away from home. For instance, there are some renter’s policies available that would provide reimbursement for a stolen bike even if the theft occurred somewhere other than your home. 

Find out more about renter’s insurance today!

Protect your belongings today

Ken Boldt Insurance Agency II Inc. is here to help our neighbors in the greater Green, OH community protect their valuables. If you would like to find out more about the many benefits of renter’s insurance, call or stop by our office today! 

If you’re a frequent traveler for work, you may rent a small place simply as a home base. However, you need to protect your investment with a high-quality renters insurance policy. We at Ken Boldt Insurance Agency II Inc. can help Green, OH renters get coverage.

Risks When Traveling 

When you travel a lot for your job or for whatever reason, your apartment or rented home may be at risk. We’re not trying to scare anybody but stating this fact, but it is unavoidable that concerns like an increased risk of robbery, serious emergencies, and much more may all impact your house. 

For example, someone may stake out your home, figure out your travel plans, and break in while you are gone. As you don’t own the house, you don’t have a homeowner’s insurance policy and may lose your goods. Thankfully, renters insurance is a great way of protecting against this danger.

Why Renters Insurance Helps 

Renters insurance is a surprisingly affordable policy option that covers your items in your home. It does not cover the outside of the facility, which is not your concern anyway. Instead, it will protect anything you bring into your living space from a myriad of different concerns. 

For example, it can protect against various types of disasters like floods, lighting, and fires. It can also protect against theft, one of the more common concerns for frequent travelers. By talking to your travel agent, you can learn more about the various benefits that this policy can provide you.

Find a Strong Policy

If you want renters insurance to keep your home safe while you travel, contact us at Ken Boldt Insurance Agency II Inc. to learn more. We serve the Green, OH area and will provide you with the help that you need to ensure that your home is protected.

Are you renting a home in Green, OH? Consider the benefits of renters insurance. Renters insurance offers protection for your personal belongings, personal liability, and loss of use of your rental property due to disaster damage. Here’s how renters insurance from Ken Boldt Insurance Agency II Inc. can benefit you.

Protects Your Personal Goods

Your landlord’s insurance covers his home, condo, or apartment, not your personal goods. If your belongings are stolen or damaged in a disaster, you would have to cover the cost of repairing or replacing these goods on your own. However, with renters insurance, you’ll have compensation for your loss, making it easier to replace what was lost. If you own costly goods, renter’s coverage can save you a substantial amount of money in recuperating your losses.

Covers Visitor Injuries and Property Damage

If a guest suffers accidental injuries or property damage while visiting your rental property, you could be held responsible for their medical bills or personal property repair. Renter’s liability insurance protects you financially by covering these costs. Even a simple slip and fall can send someone to the hospital with a broken bone or concussion, resulting in thousands of dollars’ worth of medical costs. Renters liability coverage also protects you against lawsuits that may arise from accidents that cause severe injuries to others.  

Compensates You for Loss of Use Costs

Ohio is prone to an array of natural disasters ranging from severe storms to tornadoes. If your rental home, condo, or apartment suffers disaster damage, you may need to move out while repairs are made. Loss of use insurance compensates you for the cost of staying somewhere else, such as a hotel or motel, until you can return home.

To purchase a renters policy for your Green, OH rental home, call or visit Ken Boldt Insurance Agency II Inc.