If you are currently renting the place where you live, your rental agent may require you to purchase renters’ insurance. You might have questions about what renters’ insurance covers and how it works. If you live near Commerce, GA, our team at Hyman Brown Insurance Agency Inc. would love the opportunity to meet with you and answer your questions. We’ve been assisting renters like you since 1962.

Do Renters Need Flood Insurance?

Many renters’ insurance policies don’t cover damages caused by flooding. It’s important to review your policy to understand what types of damage are covered. If flooding is a concern, you may want to consider purchasing flood insurance. One specific type of flood-related policy is called "content insurance," which covers water damage to your personal belongings inside your home.

If you decide to buy flood insurance, be aware that there may be certain costs it won’t cover. For example, if a flood damages your car, your flood insurance policy likely won’t cover the cost of repairs or replacement. Additionally, if your rental property sustains significant damage and you need to stay in a hotel, flood insurance typically won’t cover hotel expenses. Flood insurance also doesn’t cover the cost of valuable documents, so investing in a waterproof personal safe or document box is a smart idea.

Call Us Today for Your Appointment

Renters like you want to protect themselves against potential storm damage. At Hyman Brown Insurance Agency Inc., we are committed to serving our local community with quality insurance options. Clients in the Commerce, GA area trust us for excellent customer support. Call us today to schedule an appointment, and let’s work together to keep your property protected.