Having renters insurance protects your personal belongings and provides liability protection if your visitor slips and falls. Put it this way; if you’re hosting a party at your apartment, there is no telling what can happen in a room full of people eating, drinking, etc. Having renters insurance is an absolute necessity for protecting your belongings and your visitors.

Sure, you might think that your friends and family are responsible enough not to get hurt in your own house. Moreover, you may also feel that they would be the last people who would consider filing a lawsuit to get medical compensation claims after suffering an injury in your apartment. We’re here to tell you that it’s not always the case.

Dealing With an Injury That Occurred at a Friend’s House

Here’s a hypothetical situation – Let’s say you invite a couple of friends over for a homecooked meal and drinks. Your stove is on, and cheeseburgers are sizzling on a frying pan. Suddenly, your cat jumps on top of the counter, and while it leaps forward, it knocks over the hot frying pan, which lands on your friend’s bare feet.

The injury caused terrible burns, and he started to feel dizzy. Since this injury seems severe, he decides to go to the hospital. About a month or so later, your friend has fully recovered, and you’re genuinely relieved and happy for them. Next thing you know, you’re being contacted by a lawyer who wants to settle a claim.

My Friend Wants Medical Compensation

Your dear friend had a terrible insurance plan, so now he wants you to shell out a few hundred, or thousand, bucks to help him pay for his outstanding medical bills. You’re at a loss now. How could your friend do this without prior notice? Also, you feel guilty because you invited him over for food and your cat caused the accident after all.

This is why it’s so important to have renters insurance. In Lancaster, Ohio, we offer competitive rates and superior service. Having renters insurance means that if a lawsuit is filed against you to collect damages for medical bills, lost wages, and other injuries, your insurance provider will help you pay for the cost and provide you with an attorney.

Affordable Renters Insurance in Lancaster, Ohio

Your landlord may be held liable for a visitor’s slip and fall accident in some instances. Although, you should inquire about this directly with them to help you make the most informed decision for your renter’s insurance policy. And don’t worry, these policies are very affordable and can be bundled up with your auto insurances to give you even a better rate.

Get in touch with us today to see how we can serve your renter’s insurance needs in Lancaster, Ohio, and Logan and Canal Winchester. Featured image by @patrickperkins.