Houston renters insurance doesn’t just protect you against those random events that life throws in your path. Did you know that Houston renters insurance can also protect you from deliberate harmful acts carried out by your neighbors? We’d like to think that everyone is the perfect neighbor, who will always be there to borrow a cup of sugar from. Unfortunately, that’s not always the case. Since you can’t pick your neighbors, let’s take a look at how you can get coverage against intentional acts like this one!
A Helpful Hand
Houston renters insurance was there to help out several residents who suffered losses after a neighbor took it upon himself to intentionally set fire to the apartment complex’s laundry room. Although damages appear to be minimal, it is still unclear whether or not the property will immediately be ready for occupancy. What motivated this act is unknown at this time, but the reasoning is not important. What’s important is that you are covered when and if you are caught up in an intentional or negligent act.
How Can Houston Renters Insurance Protect You From Neighbors’ Intentional Acts?
Tenant insurance policies contain a list of named perils against which the policy protects and indemnifies the insured. In this particular instance, two of those named perils come to mind. Fire is the obvious one, but there’s another peril that’s covered that could come into play here. Vandalism is a covered peril under a standard renters insurance policy, and that may have been the objective here. Fire, smoke, and fire-related water damage would generally be covered, whether the original cause of the loss was fire, smoke, or vandalism resulting in a fire.
We are still unsure what motivated someone to set fire to their apartment complex laundry room. What we do know is that fire, smoke, and water can all quickly cause damage to your personal property. Houston renters insurance protects you from those losses, while helping to replace your damaged property. For around fifteen dollars a month, you can make an inexpensive, yet necessary investment in your future.
To find out more about how Houston renters insurance can protect you against your neighbors, call Effective Coverage at (800)892-4308 or click above for renters insurance quotes online.