After severe weather strikes, will your renter's insurance leave you high and dry?

Lightning stormAccording to Mary Jo Hudson, former director of the Ohio Department of Insurance, and Cincinnati attorney William J. Reynolds of Fifth Third Bank, some natural disasters, such as floods and earthquakes, are not generally covered by a renter’s or homeowner’s insurance policy. However, fires, lightning, windstorm, hail, some water damage, thefts, and many other things are included in even the most basic policy.

Most homeowners carry a mortgage and must buy homeowner’s insurance as a requirement of their loan. Renters, however, have a choice, unless purchasing insurance is required under the terms of their lease.

Many choose to go without renter’s insurance, even though they have many of the same risks as homeowners when it comes to protecting possessions or being liable for home accidents.

Check out the Law You Can Use column "What you need to know about renter's insurance" to find out more.



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