Why You May Need a Renter’s Insurance Attorney

If you’re like me, you’ve recently moved into a new apartment. As a student, having my own apartment is a huge upgrade from my tiny dorm. An apartment allows me to spread out, and now I can host multiple people at my place instead of just one or two. The best part is that I have my own kitchen — no more dorm food for me!

Of course, having my own apartment brings its own problems, too. Signing a lease can certainly be a nerve-wracking experience, especially with all the stories of people getting screwed over by their landlords. There’s also a lot more responsibility associated with renting an apartment — and one of those things is renters insurance.

If you’re looking to rent an apartment in the near future, renter’s insurance is certainly something you should think about. Normally the process of obtaining renter’s insurance is usually pretty quick and painless, but sometimes you can have issues with the company you’re getting the insurance from. In these instances, you should contact a renter’s insurance law firm like Smith Kendall, PLLC. Find out what they can do for you below!

What is Renter’s Insurance?

Renter’s insurance is an insurance policy that contains some of the same benefits of homeowner’s insurance but without the coverage of the dwelling or structure of the property. With renter’s insurance, your personal property will be covered in instances of fire, theft, or vandalism.

Renter’s insurance is significantly less expensive than homeowner’s insurance because it is simply meant to protect your personal property and not to insure the actual property. The owner of the building — which isn’t you since you’re renting — is responsible for the property, but not your personal belongings.

While I mentioned my own apartment earlier, you don’t have to have an apartment to be eligible for renter’s insurance. All you need is to be renting your property — no matter if it is a condo, apartment, or a house!

Why Would I Need an Attorney?

You might be asking yourself, “Why would I need an attorney?” Hopefully, you never need one, but if you do — it doesn’t hurt to know of one! Sometimes, in the event that something happens to your personal property — like a fire, theft, or vandalism — your insurance company may not honor your claim.

The company may outright deny the claim, underpay you the amount that you’re owed, or delay your coverage. You’ll also have to speak with representatives who assess the damage — remember, they’re loyal to the insurance company — not you.

Losing your personal items can be a huge financial blow — you’ll want to get the coverage you need as soon as possible. An insurance company is more likely to respond to your needs if they know you are represented by an attorney — as they wish to avoid any substantial legal action.

Don’t hesitate to contact an attorney if you need one — it will get you closer to getting the coverage you deserve!