Does renters insurance have exclusions?

Flowood, MS is a family-centered community that offers a high quality of living. It is a small city in the greater Jackson metropolitan area. Rentals here are trendy and offer great amenities. One thing that these lovely rentals don’t come with is rental insurance. You may think the management company has insurance, and yes, they probably do, but it won’t help you. It only protects what belongs to the owner, not the tenants. With over 50 years of experience, Insurance Protection Specialists offers their customers a partnership as you deal with the unexpected events that life throws at you. 

Renters insurance offers some very valuable coverage at a very affordable price and is well worth investing in. It protects your personal property, gives you liability coverage and loss of use coverage. 

Personal property

Your landlord has insurance that protects the building you live in. Everything that you moved into the rental is your personal property. It may be appliances, decor, furniture, and certainly your clothing. All of these are your personal property. If a covered peril damages or destroys your rental, you could lose all of it.   


Things happen. Not all of them are good. If someone is visiting your rental and is injured, you could be held liable for their medical bills, and they may decide to sue you. No one likes to think about having a judgment against them, but it would be awful if you had to pay for it yourself without insurance. 

Loss of use

If your rental is damaged so badly you can’t live there, renters insurance will help pay for your lodging until you can move back home. 

If you have seen the value of having rentals insurance and would like to discuss it with an insurance expert at Insurance Protection Specialists in Flowood, MS, our team is here to help you.