Protect The Belongings In Your Manufacturd Home With Renters Insurance

A renter’s insurance policy generally covers specific risks or perils that are common to individuals who are renting or leasing residential property from others. In the event that you have a renters insurance and you have a fire in your house, damaging or destroying your clothes, electronics or even your neighbor’s property, then if you have a renters insurance that covers these perils, the policy will ease the burden by reimbursing you.

Typically, renters insurance will cover several losses. These include content loss on the premises which include your clothing, electronics, luggage, books etc. There is also the contents loss off premises loss which is quite similar to the on premises losses but includes your items that happen to be off the property when the loss occurs. This may include items such as bicycles, cameras, laptops which may be stolen, lost or damaged.

Another common loss covered by renters insurance is the Additional Living Expenses loss. This usually covers living expenses above your normal day to day expenses which have come about as a result of being temporarily displaced or having to move out. This usually covers costs that you incur if you maybe have to stay in a hotel for sometime as you sort out your situation. A Personal Liability loss does cover several issues, whether off or on premises upon which you could be sued. This includes incidents such as if your child hits a ball that injures another child, your dog bites someone or a guest trips and injures himself and decides to sue. You should ensure that your policy is explicit in the details of such a loss.

Medical Payments loss is also quite common. This cover is for payment to others who have been injured off or on your property as a result of something that you did or didn’t do. Property of Others loss covers other person’s property which has been damaged due to a loss that’s explicitly covered in your renter’s policy.

Most policies also have Optional Coverage for Special items. This normally includes items such as fur, coins, jewelry as well as antiques that are of a high value. In such a cover, you must discus the limits with your insurance company before buying the policy. It is also worth mentioning that this loss does also cover other unique scenarios such as for those people who due to the nature of their business have to keep large amounts of cash in the house or keep valuable stuff at home. Make sure you disclose such issues to the insurance company so that they are taken into account and covered accordingly.

However, a typical renter’s policy will not cover certain perils. These usually include covers related to flood or earthquake damage, intentional acts, water related issues, wear and tear, construction failures, mold, seizure by government, failure to take adequate steps to deter damage or a loss, rust etc. Just like any other insurance policy, it is highly recommended that you carefully go through the policy document before you sign the dotted line and give life to the cover.

Here are some of the leading companies that offer affordable and reliable renters insurance for manufactured homes. They include but are not limited to the following:

1) Allstate Insurance Company

Mailing Address: 2775 Sanders Road, Northbrook, IL 60062

Phone Numbers: 1-800-255-7828

Web URL: http://is.gd/Buk0Tl

Other Programs: apart from renters insurance, the company does offer some other mobile home insurance covers such as dwelling or home structure, other structures , guest medical protection, liability protection, personal property protection, extended coverage on furs, watches and jewelry and fire department coverage amongst others.

2) State Farm Insurance Company

Mailing Address: One State Farm Plaza, Bloomington, IL 61710

Phone Numbers: 888-559-1922

Web URL: http://is.gd/H9yi2d

Other Programs: apart from renters insurance, this well known company does also offer its clients a long list of other insurance covers such as farm and ranch insurance, small business property insurance, flood insurance, personal articles policy, manufactured homes insurance, long term care insurance as well as disability cover.

3) Liberty Mutual Insurance

Mailing Address: 175 Berkeley Street, Boston, MA 02116

Phone Numbers: 1-800-383-7279

Web URL: http://is.gd/o81Mok

Other Programs: the company does offer lots of different insurance policies to its clientele. This includes covers such as mobile home insurance, homeowners insurance, property insurance and a wide variety of other policies. It is also important to mention that the company does offer significant discounts to clients who bundle their policies.

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