Why Can’t I Just Buy Liability On Phoenix Renters Insurance?
Renters insurance in Phoenix doesn’t come with just liability coverage. While sometimes you can get a liability-only policy through the community, that doesn’t do you a great deal of good. Sometimes what’s offered is a master policy for about eight dollars a month, and sometimes it’s just a waiver that says, essentially, “Pay us this monthly fee and we won’t sue you if you cause damage in one of these narrow, limited ways.”
Those master policies and waivers don’t take the place of Phoenix renters insurance, and they certainly don’t offer the same coverage. They may not even have a duty to defend you, especially if it’s just a waiver. Duty to defend is an important part of your renters insurance policy, because it means that if you’re sued for something the policy would cover if proven, they’ll pay for a lawyer to defend you against the allegation. That saves you both stress and a ton of money.
Phoenix renters insurance protects you against more than just liability, though. How would you feel if the neighbor had a kitchen fire, and everything in your apartment smelled like smoke? Would you want to pay to have it all cleaned? The neighbor’s liability policy will probably be exhausted just by paying for the damage to his apartment, so that’s not a likely recourse for you.
Your policy, however, considers smoke to be a covered peril. That means that your policy would pay to clean or replace your belongings that smelled of smoke from the neighbor’s fire. But if your home was not usable until it was cleaned, as a result of that fire, your Arizona Renters Insurance would also pay for a hotel for you in the interim. Hotels cost at least $75 a night, probably more in the area. Your renters insurance policy pays for itself with just that part of the coverage.
Also remember that you can add additional coverage to your policy that you wouldn’t otherwise have. The recent Phoenix earthquakes are a great example of this. You can add earthquake coverage to your renters insurance, and then you’d have coverage for a personal property loss suffered as a result of an unexpected situation like that.
Why can’t I just buy liability on Phoenix renters insurance? Because you need much more coverage than that, and because renters insurance in Phoenix is unbelievably affordable so it doesn’t really matter. The average cost is around fifteen dollars a month, and that will fit in just any budget. You can even buy renters insurance online in just sixty seconds! Just call (800)892-4308 or click to get covered - whether you need Arizona renters insurance quotes online or coverage anywhere else!
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