A basic renter’s insurance policy might be sufficient if you rent a home in Scranton, PA. However, making assumptions regarding coverage is not advisable. Acquainting yourself with what your renter’s policy covers helps you identify whether you need to add riders to your coverage to ensure adequate protection for your home and belongings.

What’s Excluded by a Renter’s Insurance Policy?

Coverage differs based on the insurance provider you choose. Generally speaking, renter’s insurance does not cover natural disasters. Considering Scranton’s susceptibility to flooding, investing in additional flood insurance to protect your belongings from damage or loss might be beneficial.

Furthermore, a standard renter’s insurance policy has coverage limits for damage to or loss of personal belongings in the home. While this limit might suffice to replace furniture, clothing, and other personal items for most individuals, it may not fully compensate for valuable items such as jewelry, antiques, or heirlooms. It would be best to consider having valuable items appraised to determine whether a rider is required to fully cover them against theft, vandalism, or natural disaster.

Find out More from Bartal Insurance

Bartal Insurance offers renter’s insurance policies and riders to ensure comprehensive coverage for you and your belongings no matter what events occur. Unsure which coverage options are suitable for you? Call us, and we will guide you through reviewing your options. We take pride in helping residents of Scranton, PA, from all walks of life secure insurance coverage tailored to their needs.