How Renters Insurance Helps Tenants

Renter’s insurance protects tenants and their belongings in the West Chester, PA area. Understanding its advantages empowers tenants to make informed decisions and secure the necessary coverage for their belongings.

Shielding Against Legal Liabilities

Renter’s insurance includes liability coverage, which protects tenants from legal liabilities they may face. If someone is injured on the rented property or if the tenant accidentally causes damage to someone else’s property, liability coverage can help cover the associated medical expenses or property repair costs. This coverage provides tenants with financial protection against potential lawsuits and claims.

Safeguarding Belongings

One of the primary benefits of renters insurance is the protection it offers for personal belongings. In the event of theft, fire, vandalism, or other covered perils, renters insurance compensates tenants for the loss or damage of their possessions. This coverage extends beyond the boundaries of the rental property, ensuring tenants’ belongings are protected wherever they may be.

Assisting During Temporary Relocation

Renter’s insurance often covers additional living expenses if a rental property becomes uninhabitable due to a covered event, such as a fire or natural disaster. This coverage helps tenants cover the costs of temporary accommodation, meals, and other necessary expenses while their rental unit is being repaired or restored. It provides financial assistance and ensures tenants maintain living standards during challenging times.

Covering Minor Injuries

The renter’s insurance may include coverage for medical payments. If someone sustains minor injuries on the property, this coverage can help with medical expenses, regardless of fault. It provides a safety net and demonstrates the tenant’s commitment to the well-being of guests or visitors.

How Griffith Insurance LLP Can Help You

At Griffith Insurance LLP, we can answer all your questions concerning renters’ insurance coverage. We assist the West Chester, PA region. Contact us today

Was Your Rented Home Burglarized? The Importance of Filing a Police Report

Renters insurance helps to cover your losses if the home you are renting gets broken into and burglarized. Here at Griffith Insurance LLP, serving the greater West Chester, PA area, we can help you find the right renters’ insurance policy for your needs and help you if you need to file a claim. Nearly every insurance company will require you to file a police report if you are filing a claim because your home was burglarized. Read on to learn why filing a police report after your rented home was burglarized is so important. 

In most places, you can file a police report online if your home was burglarized. Most insurance companies require you to file a police report for several reasons. First, when you file a police report, you state that the incident happened. You can be charged if you file a false police report. When you file a police report, you typically must list what personal property is missing. This is important because insurance companies pay you based on what is missing. It also helps police to potentially recover the missing items, mitigating the insurance companies’ losses. Filing a police report is also essential as it helps the police determine if one particular neighborhood is targeted. They can increase police activity in that specific area. 

If you are renting an apartment, condo, or home and do not have renters’ insurance, the homeowners’ insurance policy will not protect your property if the house is burglarized. Here at Griffith Insurance LLP, helping individuals in the greater West Chester, PA region, we can help you get the renters’ insurance policy you need. Call us today to get started. 

How Does Renters’ Insurance Work?

Renting your home comes with a lot of things to take care of. One of these is to have renters’ insurance in place for as long as you live there. It’s not a good idea to go even a day without this insurance, and it protects you in many different ways. If you need renters’ insurance, call us at Griffith Insurance LLP in West Chester, PA. 

Cover Your Possessions

We all work hard to afford our possessions, so it’s a good idea to insure them. If you rent your home, all or most of your possessions are likely in that home. With renters’ insurance, your policy will help to pay for what you lost after a serious incident such as a calamity or disaster. Without this coverage, you would be on your own to replace everything. 

Protect Your Finances

Another way that renters’ insurance protects you is that it can protect you from certain lawsuits. If you have a third party inside your home, and they have an accident or get sick while there, you can be found to be liable for their medical bills. With renters’ insurance, the policy can pay those medical bills instead of you. This is a very useful coverage that can protect your finances from these medical bills. 

Get Coverage for Your Lifestyles

When you have renters’ insurance, it can protect you from having to live somewhere that has become uninhabitable. If a disaster or accident were to severely damage your rental home, you won’t have to stay there when you have renters’ insurance. If you live in a place that is declared uninhabitable, your renters’ policy will pay for you to move elsewhere and live somewhere else until repairs are made. 

Get Your Renters’ Policy

If you need renters’ insurance, contact us today at Griffith Insurance LLP in West Chester, PA.

The Basics of Renter’s Insurance

Landlords in Pennsylvania typicaly require renter’s insurance. And even if that wasn’t the case, it still will be beneficial to tenants to obtain it because the unpredictable can occur. Renter’s insurance in the state of Pennsylvania protects your items from typical perils, such as vandalism, theft, and fire. 

Three Types of Renter’s Insurance Coverage

There are three types of renter’s insurance: Personal property, liability, and additional living expenses. The following includes more details about these types of insurance coverage:

Personal Property

This coverage may cover the cost to replace or repair your belongings, like clothing, electronics, and furniture for up to a limit. This coverage does not usually cover personal property loss beyond the limit of your coverage.


This coverage may cover repairs to damages you may accidentally cause to another person’s property or medical bills for someone you may have caused an injury to. However, this coverage also has its limitation in coverage.

Additional Living Expenses

This typically covers additional costs you may incur, such as hotel bills if your residence is damaged and uninhabitable. However, it typically does not cover damage to the building structure you are renting from. 

Each state has its own set of rules when it comes to renter’s insurance. For instance, in the state of Pennsylvania, there is a thing where you can list your landlord as an
"additional interest" to your policy. Doing this may or may not help you, depending on your situation.

With the different rules and regulations about renter’s insurance, it is imperative to work with highly-trained, dependable, and proven insurance agents to lead you in the right direction. Griffith Insurance LLP is the way to go. Griffith Insurance LLP has been providing services for West Chester, PA, and surrounding areas for several years now. We are more than happy to assist you.