Renters Insurance in Cuyahoga Falls, OH

A common misconception about renters insurance is that it’s too expensive. Many people assume that because other types of insurance can be costly, renters insurance must be as well. However, renters insurance is generally quite affordable. This small investment may provide significant coverage for personal belongings, liability and even additional living expenses if you’re displaced from your home due to a covered event.

Who Needs Renters Insurance?

Anyone who rents their living space should consider renters insurance. It’s essential for those who have valuable items such as electronics or furniture. Even if you think your belongings aren’t worth much, the cost of replacing everything after a disaster can be significant.

What Does Renters Insurance Cover?

Policy details vary per policyholder, but most standard renters insurance policies include the following coverages:

• Personal property protection may cover your belongings if they’re damage from events such as fire, lightning and theft.
• Liability coverage may provide financial aid if you are responsible for injury or property damage to others. It may also help with legal defense costs and judgments in a lawsuit.
• Medical payments coverage may compensate for medical bills if someone is injured in your home.
• Loss-of-use coverage may help pay for hotel accommodation and restaurant meals if a covered incident makes your rental temporarily uninhabitable.

How Do Renters Insurance Claims Work?

Filing a renters insurance claim involves a few critical steps to ensure everything goes smoothly. Start by filing a police report if the incident involves theft or vandalism. Then, let your landlord know about the damage. Next, contact your insurance company and provide your policy details and any necessary documentation. Take photos or videos of the damage and keep records of all communications with your insurer. If your rental is damaged, make temporary repairs to prevent further damage, and make sure to keep documentation and receipts. Finally, fill out the claims form from your insurer. If your claim is approved, your insurer may send a claim payment via check or through digital channels.

Contact Us

Contact Garlesky Insurance Agency today to discuss your renters insurance needs. Our knowledgeable staff is here to assist you in finding the best policy.