Renters Insurance Beaverton, OR
When you rent a home, condo, or apartment in Beaverton, OR, you should consider renters insurance from Schmidt Insurance Group to protect your personal belongings. We know our Schmidt and make it easy to find the coverage you need!
Schmidt Insurance Group opened its doors in 2019 with a goal of making insurance easy and affordable while providing exceptional customer service. We proudly serve the local Portland area as well as the entire states of Oregon and Washington.
What is Renters Insurance?
Renters insurance protects the personal property (or contents) of your rented apartment, duplex, condo, or home from loss caused by damage or theft. This can include furniture, clothing, electronics, appliances, jewelry, art, collectibles, and other household goods.
The policy also provides liability coverage to protect you financially in the event of injuries to a visitor or damage that you, your family members, and even your pets may cause on the premises. If, for example, you accidentally left the water running in your 4th-floor apartment when you left for work, renters insurance would pay for the water damage to your neighbors’ personal property!
Renters insurance also covers your belongings while they are away from home; say, for example, the golf clubs in your trunk or the skis you left outside the lodge while you had lunch only to find that they have mysteriously disappeared.
If you come home from a weekend out of town to find that a power outage left you with a refrigerator full of spoiled food, you may think you’re out of luck. Your renters insurance may cover the ruined food under your personal property coverage!
If you are temporarily forced to leave your rented home because damage or a covered peril (like smoke or fire) has made it unsafe or uninhabitable, your renters insurance may pay for you to stay at a nearby hotel or a different apartment or house and cover some of the living expenses you incur.
What is Not Covered by Renters Insurance?
Unfortunately, some things are not covered by renters insurance. If you live in an area where flooding or earthquakes are common, you may have to purchase an additional insurance policy to cover those possibilities. If someone steals stuff from inside your car, your renters insurance policy should cover the loss, but it won’t cover damage to the car itself. Likewise, the renters policy won’t provide coverage if your roommate’s things are damaged, lost, or stolen, unless he or she is related to you by blood, marriage, or adoption.
Many renters do not have renters insurance, and some have no idea it even exists. If you rent an apartment, condo, house, or even a just a basement room in Beaverton, OR, Schmidt Insurance Group can help you find the coverage you need. Reach out to us at (503) 206-0881 for more information.
