Understanding what kind of insurance covers which circumstances can be confusing. It is important to ensure you have all the coverage you need. At Acme Insurance Brokerage, we can assist Amityville, NY, renters understand their renter’s insurance limits.

Do You Need Renters Insurance?

You probably don’t need renters insurance if you don’t own anything. Most people have property they need to protect. Your renter’s insurance covers, among other things:

• any appliances you own, such as a personal toaster or microwave
• any rugs, curtains, or other items you have used to decorate your place
• your electronics, such as your computer, TV, or stereo
• clothing
• most jewelry
• other personal items

Without renters insurance, you will be stuck paying for everything out of pocket if something happens, such as a fire or burglary. Renters insurance even helps provide temporary housing if you are temporarily homeless because of a fire or other disaster.

What About Items In Your Vehicle?

Unless you have comprehensive coverage or full coverage auto insurance, your auto insurance does not even cover a stolen car. Liability insurance only protects you from damages caused by you during an accident.

Auto insurance does not cover items left in your vehicle that are damaged or stolen. To protect those items, such as cell phones, laptops, or other valuables, you will need to have homeowners, condo, or renters insurance.

Call Acme Insurance Brokerage If You Have Any Questions About Amityville, NY Insurance

Everyone has a different situation, and you have different needs than other people. Acme Insurance Brokerage can help you determine what assets you must protect. Call today so we can help.