What Autumn Risks Can Renters Insurance In Amherst, NY Protect Against?

To everything, there is a season, and risk is no exception.  If you have renters insurance in Amherst, NY, you’ll want to consider what risks the policy can protect you against in each season.  Risk definitely does change on a seasonal basis, so let’s take a look at some of the things you should keep in mind with your Amherst, NY Renters Insurance.

Friends Of Your Children

Do you have kids?  Then it’s a safe bet that your kids have friends.  Back to school season is part of fall risks, and your Amherst, NY Renters Insurance can protect you in a number of ways.  If you have a back yard, and your kids are playing with their friends in a pile of leaves, do you know what’s under that pile of leaves?  What if it’s the rake that you used to make the pile, and one of them jumps into the pile not knowing it’s there?

Liability coverage on your renters insurance will protect you from being sued for those injuries, and allow you to make the family whole.  If it’s a minor injury, medical payments to others might be a great place to start, as well, since it takes care of the issue quickly and simply.

There are other risks involved in having other peoples’ children in your home, and your policy can protect you from the vast majority of them.  Even the risk to you that the child might want to steal something from you is protected against, since you have coverage for theft of personal property.

Vacation Mistake Liability

Seasons change quickly in Amherst.  If you go on vacation in September and leave a window open by mistake, you might think it’s not a big deal because it’s still passably warm out.  But what happens when you have a sudden cold snap?  If it’s below freezing, your pipes could freeze as a result of you leaving the window open.

If your pipes freeze in an apartment as a result of your negligence, you’d be responsible to the community for damage to your apartment as well as any other units that suffered damage from the water.  You’d also be liable to the people in the other apartments who had their personal property damaged by the errant water from the frozen pipes.

Amherst, NY Renters Insurance protects you from that liability.  You’ll be covered for the damage to the building, the damage to the property of others, and other losses.  If the people whose property is damaged file a claim with their policy, and their company goes after your policy, you’ll have both coverage and a defense against that claim.

 

These are just two obvious examples of risks that renters insurance in Amherst, NY can protect you from that are specific to autumn, but there are many more risks to be found.  There is risk in everything we do, no matter how careful you think you’re being.  As they say, “life happens.”  Get protected against life’s little (and big!) risks, just call (800)892-4308 or click to get covered - whether you need Amherst, NY renters insurance quotes online or coverage anywhere else!

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Photo Credit: James G. Milles CC2