Tenants in Sanger, TX, are often responsible for obtaining renters insurance to ensure their personal belongings are covered. However, it’s essential to recognize that this policy is intended for tenants, not landlords.
Typical Coverage
This type of policy will cover your personal belongings on the property, including clothing, furniture, electronics, and other items. Some policies extend to cover belongings that are inside your car. Most will cover things in the yard, such as children’s toys and patio furniture.
Policies usually cover fires, theft, vandalism, and specific natural disasters. Some may also include temporary lodging costs if your home becomes uninhabitable due to a covered event. Speak with an agent at Hermes Insurance Solutions to learn about your coverage.
Structural Damage
These policies do not cover structural damage to the property because that’s not the tenant’s responsibility. Instead, the landlord, and their policy, should cover structural damage. The landlord’s policy will provide coverage if the damage is due to a covered event, such as a fire or natural disaster. This can be used to repair ceilings, floors, roofs, foundations, and any other part of the structure.
Note that some landlords will charge you for repairs if you cause damage to the property beyond normal wear and tear.
We understand the importance of ensuring your belongings are safe and your home is habitable. Agents here at Hermes Insurance Solutions can help you learn more. Contact us. We’re currently serving the Sanger, TX, area.
