Renters Insurance in Bedford, NH
Renting a home may offer freedom and convenience, but it also comes with its own set of risks. At Dyer Insurance Agency, we understand the unique coverage needs of tenants in Bedford, NH. Our team is here to help you secure the right renters insurance to financially safeguard your possessions.
What Does It Cover? 
A standard renters insurance policy typically includes:
- Additional living expenses coverage can cover your meals, hotel accommodations and other necessities if you’re forced to temporarily move out of your home due to a covered occurrence.
- Personal property coverage can help pay for the replacement of your belongings, such as clothes, appliances and furniture, if they are stolen or damaged by a covered peril, subject to policy limits.
- Personal liability coverage can cover expenses related to third-party claims of bodily injuries or property damage.
Why Is This Policy Important for Tenants?
Many renters assume their landlord’s policy will cover them. Unfortunately, a landlord or property manager’s master policy often only covers the building and common areas, not a tenant’s personal liability and belongings. A separate renters policy can reduce the financial burden of unexpected damage or liabilities. While it is not legally required in New Hampshire, landlords may ask for proof of a policy even before a tenant moves in.
How Much Does This Policy Cost?
Renters insurance premiums can be influenced by different factors, including:
- Type of residence
- Claims history
- Location
- Risk factors (e.g., crime, natural disasters, fires, etc.)
- Value of insured personal property
- Deductible and coverage selections
How Our Team Supports New Hampshire Renters
At Dyer Insurance Agency, our agents will assess your risk profile and coverage needs and guide you through available options. Contact our team today to request a personalized quote.