Month: March 2025

If you’re renting a property in the Alabama area, it’s essential to know what is considered personal property and what is covered by your policy.

Clothing

For many renters, clothing is a significant part of their possessions. Without insurance, being forced to replace an entire wardrobe can be stressful and financially straining. With your policy, you can value your clothes and get a refund if they need to be replaced.

Equipment

If you own gym equipment or other items you use for hobbies, and they came with you to the property, you can be reimbursed if they are damaged. Outside of gym equipment, things like sewing machines and vinyl machines could be included in this list.

Furniture/Appliances

As a renter, you may not have a lot of furniture, but you embrace the furniture that you do have. This means that should the property you’re renting become damaged or destroyed, then you can use your insurance to cover these expenses and replace the appliances. If you’ve spent a lot of money on quality furniture, like a bedroom suite or something else, then you’ll want that financial protection.

Bikes/ Recreational Items

Other items you may not consider are bikes and recreational items you use regularly outside. While you may not think they have value, getting them replaced and being able to enjoy these hobbies after they are stolen or damaged could be financially straining. Make sure you’re listing these items on your rental insurance property so that you can make a claim and have them replaced.

Understanding what your renter’s insurance policy covers could make all the financial difference in a bad situation. If you are in Alabama and need renters insurance, consider Surety Ins Inc. today for more information.