Renters Insurance
With roughly 35% of households in the Denver area renting. It can be important to understand how your Renters Insurance Policy protects you. Fortunately, Renters Insurance is very straightforward and not very complex.
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Contents Coverage
Anything you put in the unit that would fall under the category as your personal effects would be covered under this coverage. It's important to have a good assessment of your property both in dollar amount and documentation ie. visual proof, pictures or video. Doing so can help replace your items quickly and correctly. One little trick we've found helpful is to save any pictures or video evidence you have in an email. That way no matter what happens you'll always have access to that information.
Family Liability Protection
Family Liability Coverage protects you and your family against anything that you could be found liable for, on or off the premises. So for example, if you forget to shovel your walkway after a snow storm, and your HOA mandates that it be shoveled in a certain amount of time and you fail to do so. Then someone injures themselves due to your negligence, they can then come after you for damages. This would be your bucket of money to payout. If for some reason damages exceeded what Family Liability is scheduled to pay out then you would be out of pocket for the difference.
Guest Medical Protection
This coverage is designed to help pay for ambulance rides, hospital stays, X-Ray's, and other related medical costs for guest the become injured in or around your home. Guest Medical is upfront money, meaning before any thorough investigation or liability is found the money is paid out.