Renters Insurance

NY & NJ Renter’s Insurance Claim Attorney

3344771391_e73b2404ed_oRepresenting renters after a cause of loss

When a person rents property from a landlord, they may be under the assumption that they are covered under their landlord’s insurance policy. When a disaster occurs in the rental property, many of your personal belongings may be destroyed. Unfortunately, the only property that is covered under the landlord’s insurance is the physical rental property and not your personal belongings. If you are renting a home, you should consider purchasing renter’s insurance. If you have renter’s insurance and face a claim dispute from your insurance company, contact The Law Office of Craig A. Blumberg for a consultation.

What should I know about renter’s insurance?

Renter’s insurance is important for people to have to make sure that their personal belongings can be accounted for if a disaster within the property occurs. People generally want to trust that their insurance company will provide them with the accurate compensation that they deserve. However, you must remember that an insurance company is a for-profit business. They will do what they can to save money, even if it means that they will not give you as much compensation as they should.

Renters should also know that although the costs run about $300 each year, which is generally less that many people expect, it may be worth the investment. A plan such as this may cover you for about $50,000 worth of protection which will be very beneficial if you are faced with property destruction from a fire or a flood.

Some of the personal items that renter’s insurance can cover include damaged or stolen furniture, electronics, clothing, home appliances, and more. However, there are certain items that may not be covered under your policy and may require further insurance protection. This is generally the case for belongings such as high-value jewelry, antiques, or other collectible items. It may be beneficial for you to have additional insurance on your high-value items because if they are damaged in a fire or are stolen, you may only get partial coverage from the renter’s insurance policy that you have.

Contact an insurance claims attorney

If you have filed an insurance claim with your renter’s insurance policy and you believe that you are not receiving the accurate amount of compensation for your property damage, the most important thing you can do is to contact an experienced insurance claims attorney who can represent you in obtaining what you are entitled to. They can help you prove to the insurance company that you were undermined. Our firm understands that the period following a disaster can be delicate if you have lost personal items that you once cherished. If you require strong and dedicated legal representation to help fight for your rights against your insurance company, contact The Law Office of Craig A. Blumberg.