Top 3 Reasons To Consider Renters’ Insurance

There are so many perks to renting your home. It is a great feeling knowing that someone else can take care of big maintenance jobs, taxes, and homeowner’s insurance. If you rent your home, you should be aware that your landlord’s homeowner’s insurance policy does not cover many aspects of your rental property. At Biddle-Shaw Insurance Services Inc. serving San Francisco, CA and surrounding areas, we love to take the time to educate our clients on these important insurance topics. Keep reading to learn the top 3 reasons you should consider renters’ insurance. 

Damaging Events 

If the property you are renting is damaged due to fire, storms, natural disasters, or other causes, only the physical property itself will be covered under the landlord’s homeowner’s policy. Anything you own in the home or on the property will be lost. The cost of repairing or replacing these items will come out of your pocket. This could leave you financially vulnerable and with no way to start over. 


A landlord’s homeowner’s policy does not cover your personal belongings lost during a burglary. If your rental is broken into, you cannot regain the value of your lost items unless you have renters’ insurance in place. This is the number one reason most people consider purchasing renters’ insurance. 


If someone is injured in your rental, the liability of their injuries could fall to you. A liability event can be devastating financially if it turns into a legal battle. The best way to protect yourself and your assets is to have a comprehensive renters’ insurance policy in place while you are renting your home. 

If you would like to learn more about renters’ insurance, please call our friendly staff today at Biddle-Shaw Insurance Services Inc serving San Francisco, CA. We would love to answer your insurance questions.