You might be somewhat nervous if you’re renting for the first time. Leases can be complex, and you may not understand everything, including what you’re liable for and what protections you’re afforded. Many first-time renters fail to realize, for example, that their personal property often isn’t covered in the event of a break-in, natural disaster, or other incidents. Thankfully, rental insurance policies can be taken out to cover many different things. If you’re looking for renter’s insurance and an agency that serves Evansville, IN, contact Trestle Insurance Agency Inc.

When Renting, the Devil is in the Details

It’s important to read the fine print of any contract you are signing, including a lease or insurance policy. You also need to understand late fees if you pay rent late and who to call if repairs are needed. It’s likewise important to understand who is responsible for paying for repairs.

What is and is not covered can vary depending on the terms of the contract. For example, some leases will cover repairs caused to the roof or exterior of a rental house during a storm. However, that might not be covered if water destroys personal property because a window breaks and rain makes its way inside.

Likewise, the landlord may cover the repair work if burglars break through a window or door. Yet, if the burglars make off with your computer and television, that may not be covered by the landlord or their insurance policy. However, the right renter’s insurance policies can provide coverage for such events.

Of course, when selecting rental insurance policies, or any other type of insurance policy, for that matter, you need to study the terms carefully to understand what is and is not covered. If you need to take out renter’s insurance and are looking for an agency that serves Evansville, IN, contact the Trestle Insurance Agency Inc. immediately.