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Stanley Insurance Group

5038 Cemetery Rd
Hilliard, OH 43026

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Renters Insurance in Ohio

What Is Renters Insurance?

Renters insurance in Ohio and throughout the state will provide you with coverage for your personal belongings if something were to happen to your apartment or rented home. It can also protect your liability if you were to have someone injured at your home or cause damage to someone else’s property in Ohio.

What Does Renters Insurance Cover in Ohio?

While no two policies are going to be the same, renter’s insurance can cover some general things. First, it includes personal property. You could be surprised to find out how much the items you have in your home add up to. Renters insurance can also protect your belongings anywhere in the world, so if something is stolen from the trunk of your car or some exotic hotel, you are covered. Secondly, you get protection for personal liability. If you are sued because someone is hurt in your home or because you accidentally injure someone, you will have liability coverage to help pay for legal costs.

Renters policies may also cover any medical payments if a visitor is injured at your home. This won’t include any injuries to you or other members of your household. If you are unable to stay in your home because of a covered incident, then renter’s insurance will help pay for another place to stay. There are different options for renter’s insurance, so be sure to ask an agent at Stanley Insurance Group. You may have expensive valuables that will need to be added under an insurance rider.

Some valuables can include jewelry, furs, watches, or artwork. Also, be sure to check if your policy is going to cover your belongings under replacement cost coverage or actual cash value. Replacement cost coverage will insure items at the current market value. The actual cash value will take into account wear and tear, so your payment will be much less. Sewer or drain back up is usually not covered under standard policies, so you may want additional coverage to protect your valuables.

Contact Stanley Insurance Group, serving Ohio, to get a quote on renters’ insurance.

Our primary location is in Hilliard, OH and we serve our clients in all the surrounding cities in Ohio.

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