While renter’s insurance may not be a mandatory requirement in Arizona, your assets could still benefit from protection. Renters insurance can help you keep your belongings secure, allowing you to eliminate out-of-pocket expenses when disasters strike. To get an overview of the types of renter’s policies to get during your Prescott, AZ stay, Manzanita Insurance takes you through various coverage options.
Personal property coverage protects your personal belongings when they are damaged or stolen during a covered peril. Examples of covered perils include vandalism, storms, theft, and electrical faults. This coverage will compensate you when items such as clothing, furniture, and electronics are damaged, allowing you to cover costs related to their repairs and replacements. However, expensive belongings such as fine art and jewelry may require additional coverage, so consider checking your coverage terms.
If your guests get injured during a visit to your Prescott, AZ residence, liability coverage will help you take care of their medical bills. Incidences that result in guest injuries include accidental trips and falls or falling objects that cause bodily harm. If you are also sued, liability coverage ensures that your legal fees and damages are taken care of. Additionally, you can also expect this coverage to protect you when a guest's property is damaged, ensuring you get the proper compensation when you incur repair and replacement costs.
If your residence gets damaged and becomes uninhabitable, you will likely need to get accommodation elsewhere. When this happens, additional living expenses coverage will pay for your hotel bills. Other costs related to extra housing are also covered, such as meals and transportation. Keep in mind, however, that this coverage only works where damage results from covered perils. These include fire, vandalism, short circuit damage, and hail.
Whether you need renters insurance to keep your items secure or are looking to keep your friends protected, renters coverage from Manzanita Insurance will offer you these benefits. Call us today to get renters coverage for your Arizona property.
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