Tenants are sometimes surprised to learn that they might be held responsible for a fire-causing short circuit. If you rent an apartment in Lees Summit, MO that has an electrical short circuit, whether you or your landlord is held responsible for any damage that the short causes will be determined by your lease and Missouri’s state laws. If you’re held liable, you’ll want to have a renters insurance policy that will protect you.
Renters Insurance Protects Renters
In a multi-unit building, the expenses related to a short circuit can quickly add up. For example, if your electrical system is overloaded and shorts, you might be held responsible for the:
- cost of having an electrician make an emergency, after-hours call
- loss of your personal possessions that suffered fire or smoke damage
- any fire or smoke damage that the building suffered
- any loss that other tenants suffered as a result of the short
Renters insurance provides you with a means of protecting yourself against this risk. Depending on a policy’s terms, it may reimburse you for the loss of your possessions through personal property coverage and provide financial protection for the other expenses through personal liability coverage.
Our Agents Help Renters
If you don’t have renters insurance that provides you with this level of protection, contact our independent insurance agents. At Epic Insurance, LLC, we’ve helped many tenants in Lees Summit and other parts of Missouri find renters insurance that provides robust protection against a host of risks. Our agents would be glad to look at every insurer’s policies to find you one that affords the protection you need. To reach one of our agents, you can either contact us at Epic Insurance, LLC by calling us our emailing us through our website.