Renters Insurance in West Des Moines, IA
Renters insurance is vital if you’re a tenant as it can limit potential out-of-pocket costs following a covered incident. Deciding on the proper coverage may be complex, and McCartan Insurance Group is here to help you decide on the right policy for you and your rental place.
How Does Renters Insurance Work?
Renters insurance works as a contract or an agreement between you and your insurance carrier. In exchange for an insurance premium, you are given a designated amount of financial assistance following an approved claim, depending on the extent of the damage. When filing a renters insurance claim, your coverage provider will likely send a claims adjuster to investigate the incident. You will be reimbursed for the damage value if the claim is approved.
What Does Renters Insurance Cover?
Renters insurance varies among tenants. However, many policies tend to include three primary coverage options:
- Personal property coverage
- Liability coverage
- Additional living expenses
The McCartan Insurance Group agents can help you learn about tailoring your renters insurance policy to include your preferred coverage options.
How Much Renters Insurance Do I Need?
Although renters insurance is not mandated by law in Iowa, your landlord may require some proof of financial responsibility as part of the lease agreement. Some homeowners or condo associations may also require some form of coverage. Regardless of requirements, carrying a policy that covers the total value of personal property kept inside your rental place can limit high out-of-pocket costs if an accident occurs.
How Do I Get Covered?
If you are a tenant near West Des Moines, Iowa, the experienced McCartan Insurance Group agents can help you learn about renters insurance and assist you in deciding on the right policy for you and your rental place.
To request a quote on a policy, contact our agency today at 515-633-2273.