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Associated American Insurance

264 S River Rd
Bedford NH 03110

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New Hampshire Renters Insurance coverage

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Renters Insurance in New Hampshire

Deciding to buy renter's insurance is an intelligent choice because it protects your property in your rental home from an unforeseen and tragic occurrence that could damage your belongings. A renter's insurance policy insures your belongings, so they can be replaced if damaged in ruinous situations. A renters insurance policy will also help you with liability issues should an accident occur to a guest.

Renter's insurance in New Hampshire consists of two main components:

  • Liability coverage, which protects you if someone is injured on your rental property or if the damage is done to someone else's property in your rental property
  • Personal property coverage insures your belongings and allows them to be repaired or replaced

Damaging situations include:

  • Fire
  • Smoke
  • Vandalism
  • Theft
  • Water damage from faulty plumbing

Renter's Insurance In New Hampshire

It isn't a law that you need to have renter's insurance in Bedford, NH. However, your lease agreement will probably stipulate that you need renter's insurance if you rent a residence. This can apply to residents all around the state and will guarantee that your landlord is not held responsible for specific events.

A common misconception that renters have is that their landlord's insurance policy will extend protection to their possessions if they are damaged inside the rental property. The landlord has insurance to cover damage to the building itself, and that doesn't include the property belonging to tenants contained inside the damaged building. It's not the landlord's legal responsibility to carry insurance that covers tenant property if it becomes damaged inside their building.

To learn more about renter's insurance, contact us at Associated American Insurance in Bedford, NH, and our agents can walk you through the insurance process and help you acquire a quote. Call us at Associated American Insurance to schedule an appointment to speak with one of our agents.

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