At Pacati Insurance Group, we provide renters insurance to all those that are in or near the Mid Atlantic area. Renters insurance is vital to have because it protects all personal property in the event something was to happen. It is a personal choice. Even though your landlord may have landlord insurance, that only protects his/her loss, not yours. For example, if someone were to be injured at your residence due to your negligence, and you don't have renters insurance, you would have to pay for their injuries.
Typically, renters insurance has a few different policies:
Depending on which coverage option you choose, you can be covered for fire, windstorms, aircraft, vehicles, theft, vandalism, explosion, and much more.
Flood and earthquakes are just a couple of the many that would not be covered. A landlord cannot make you obtain renters insurance, but they will not be responsible if something were to happen, so that is why it is up to you as the renter to make sure you are insured. However, other property management companies may require all renters to obtain renters insurance to rent through them. The most standard form of renters insurance is known as "HO-4," and gives you protection against perils that are "common" that may cause a loss of your personal property.
If you live in the Mid Atlantic area and are looking for a renters insurance quote, feel free to obtain one by contacting our agents at Pacati Insurance Group. We can also give you valuable information regarding the policy and coverage option breakdowns. Let us answer any questions you may have regarding renters insurance and get you started with a quote.
While our office is located in Falls Church, VA, we service clients all over Virginia, Maryland, Pennsylvania, and DC.