Like most people, you’re probably looking forward to celebrating the holidays with family and friends. At the same time, holiday parties increase your risk of accidents or damage to personal property, especially after guests have had a little too much to drink. Renter’s insurance from Assure-Us in Miami Beach, FL can protect you against accidental injuries or property damage that may occur when entertaining guests for the holidays. If you’re renting a home, apartment or condo, renter’s insurance is a definite plus for the holidays.  

What’s Covered by a Renter’s Policy?

A typical renter’s insurance policy offers three types of protection: liability, personal property, and additional living costs.

Liability insurance pays for the medical expenses of a guest who suffers accidental injuries on your property. It also helps pay for damage to a guest’s property.

Personal property insurance covers theft or damage to your goods to include clothes, jewelry, electronics, furniture, artwork, etc.

Additional living expenses insurance helps cover the cost of living somewhere else while your rental home is being repaired after a major disaster. 

How Can Renter’s Insurance Protect You During the Holidays?

Liability protection – Even if you’re careful, there’s always the risk of accidents during holiday parties. A guest may get burned in the kitchen while helping with a meal or slip on the stairs after having a little too much to drink. Liability insurance protects you against accidental injuries and lawsuits if you’re sued for damages.

Property protection – Having a house full of guests increases your risk of damage to personal property. If someone damages your stereo or breaks an heirloom during a party, renter’s coverage helps pay for the repair or replacement costs.

To learn more about the protection that renter’s insurance has to offer, call or visit us at Assure-Us in Miami Beach, FL.