Safeguarding your apartment or rental home with renter's insurance is a necessity even if your rental agreement doesn't require that
you have a policy in place. Brush Insurance Agency Inc., located in Dayton, Ohio will work with you to find a tenant's insurance policy
that's affordable and customized to meet your needs.
Unfortunately, insurance isn't a topic matter that people concern themselves with unless they're required to have it for one reason or
another. For example, automobile insurance is required by law, therefore it's an insurance product that driver's purchase to protect
themselves and to obey the law. While a tenant's policy isn't typically required to have by law, it's still essential that you protect
yourself and your personal property.
A tenant's policy helps protect your personal property and it also gives you liability protection in the event that someone is injured in
your rental home or on your rental property. Personal property protection is necessary because if something happens to the home or
apartment that you're renting and your personal property is damaged, you're going to need a way to replace your possessions.
Furniture, appliances, electronics and clothing items are expensive to replace. With a tenant's policy, you get the peace of mind of
knowing that you'll be able to replace your property.
Just because you don't own the home or apartment that you're living in, doesn't mean that you can't be responsible for injuries that
occur in or on the property. For example, if you own a pet, you're responsible for your pet's actions even if something goes wrong in
your own home. Even if you don't own a pet, people can trip, fall or have numerous other accidents that you never intended to
happen. Even if the chance of someone being injured is small, it's still best to be fully protected.
If you're just starting out on your own or you simply don't have a lot of property to insure, a tenant's policy is still needed to cover
other types of losses. For example, if something happens to the apartment or home that you're living in, you'd be required to find
another place to live. Without a good tenant's policy in place, you'd be responsible for paying for the expenses associated with having
to move into a new place. With a tenant's policy, your housing costs associated with having to find another place to live could be
Due to technology, running a business or working from home is a reality. Many people choose to operate a business from home and
Brush Insurance Agency Inc. can customize a tenant's policy for you that'll protect your personal and business property.
Yes, if you're a renter, the property owner is required to have insurance. However, the insurance policy that the property owner has
more than likely only covers the structure; not any of the contents inside of the structure. Simply put, if anything happened to the
property, the owner's policy would cover the costs associated with rebuilding or replacing the structure. The owner's insurance does
not and would not cover any losses you experienced in regards to your possessions or having to relocate.
A tenant's policy is pretty straight forward but every person's situation is different. The staff at Brush Insurance Agency Inc. will share
your options with you and then personalize a plan around your specific needs.