Renters Insurance in Rhode Island
Renting a home, condo, or apartment means that you have to protect it. We offer renters' insurance policies for those in need at Podmaska Insurance Agency in Providence, RI. Our policies protect your belongings and provide protection if a guest becomes injured while visiting your property. It also protects your unit if anything becomes damaged following theft, fire, or weather-related incidents.
Renters Insurance Requirements
Rhode Island does not require renters to acquire insurance. However, your landlord may make it mandatory for all tenants living in a building to obtain insurance.
Renters Insurance Coverage
Here's what renters' insurance covers:
- Personal items- This protects your personal items inside of your rental unit in the event they are damaged by wind, smoke, theft, fire, or water damage. It will cover the costs of repairing or replacing them.
- Personal liability- This covers you if a guest is injured while visiting your home. It will cover your legal fees and your guests' medical bills if you are found liable.
- Additional living expenses- If your unit becomes unhabitable following a loss, this will cover your living expenses temporarily, including hotel and food expenses.
- Medical payments to others- This covers the medical or funeral expenses for someone hurt while on your property.
- Credit card coverage- This covers you for any unauthorized transactions on your debit or credit cards.
Additional coverage for renters’ insurance includes:
- Water backup- This protects you if you suffer a loss following water damage from a backed-up sewer or drain.
- Theft extension- This provides additional protection for your personal items that may be kept in a vehicle, watercraft, or trailer.
Get a Quote
If you're interested in renters’ insurance, please call Podmaska Insurance Agency today. We are located in Providence, RI.
