If you rent a property, you likely are required by your landlord to carry renters insurance. Renters insurance covers damages sustained to your rental property while you live there and help ensure that you don't have to pay out of pocket for those damages. 

On this page, we'll talk about what renters insurance covers, why you need it, and why Ptarmigan Insurance Agency is an excellent option for your renters policy. 

What does renters insurance cover? 

Renters insurance covers a wide range of situations, including: 

• Personal property coverage: If you want to ensure that your personal belongings are protected while renting, you should always opt for personal property coverage. You'll want to take inventory of your most expensive belongings and determine how much they're worth, so you'll know how much personal coverage you'll need. 
• Weather damage: Your rental insurance can also help cover the costs for damages that occur from natural disasters like tornados, hurricanes, or fires. 
• Theft or vandalism: Although you never think your property will be vandalized or broken into, it's still a good idea to opt for theft and vandalism protection. This will ensure that you don't have to pay out of pocket to fix what's broken or lost. 
• Personal liability: Personal liability coverage covers the medical bills or court costs that occur when someone is hurt on your property. 

Why do you need a renters insurance policy? 

Plain and simple, most rental properties require you to carry some sort of renters insurance policy. 

This ensures that they won't have to pay for damages that occur when you're living on the property. 

Not to mention, coverage options like personal property coverage can help protect what's yours while living in a rented property.

Ptarmigan Insurance Agency offers a wide range of renter insurance policy options

At Ptarmigan Insurance Agency we know that every rental property is different and has varying requirements. That's why we offer custom renters insurance policies to make sure you get the coverage your landlord requires. 

We can help you determine a policy that's right for you, and we can work with your budget. 

To learn more about the policies we offer, give us a call at 406-857-7777 for more information!

Get a Free Renters Insurance Quote