As a renter it is important to have renters’ insurance and here is why your need it. Renters insurance can repair or replace property because of loss due to damage or theft. It is an insurance policy that can cover theft, water backup damage, certain natural disasters, bodily injuries and more in a rented property.  

Renters insurance is recommended for protecting your space and personal property, if you rent an apartment, home or even a dorm.  

Just know that the landlord will have property insurance but that will not cover your personal property. 

There are two components to renters insurance: personal liability and personal property coverage. 

What is personal liability insurance?  

Personal liability means that someone is legally responsible for something. It refers to situations of bodily injury or property damage that you’re responsible for.  

Personal liability coverage is something included in your renters insurance policy which protects you if you’re legally responsible to pay for something that happened to someone else. 

What is included in personal property? 

Personal property is the stuff you own like electronics, clothes and furniture.  This kind of coverage helps pay to repair or replace your personal property after a covered loss, which could be theft or fire. 

Recommended Article to read from Satch & Greg of RPG Agents is; “Does renters insurance cover personal liability?” Check it out to find out more about Renters Insurance coverage with personal liability. 

Contact Satch & Greg for your Renters Insurance needs at 937-529-8300 or the Reliable Partners Group Insurance Agency’s website (