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710 E Laurel Ave
Foley, AL 36535

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Southern Risk Associates Blog

Do You Need Renter’s Insurance?

Many people choose to rent their homes because of the financial advantages it gives them. Renters enjoy having maintenance and taxes taken care of by a landlord as well as most insurance costs. However, renters should be aware that not all insurance protection will be paid for by a landlord. To be fully covered, you should consider purchasing renter’s insurance. At Southern Risk Associates serving Foley, AL, we can help you better understand this important insurance product.

Renter’s Insurance FAQs

What Does Renter’s Insurance Provide?

Renter’s insurance is a type of insurance product that provides protection for the personal belongings inside rental property. Your landlord will have property insurance to cover the property and will be paid in the event that the property is damaged by fire, natural disaster, or burglary. This type of policy, however, does nothing to protect your personal belongings. If your personal belongings are lost, stolen, or damaged, you will be responsible for repairs or replacement out of pocket. This could be a huge financial burden without renter’s insurance. 

What Will Renter’s Insurance Cover?

A renter’s insurance policy will cover the cost of repair or replacement of your personal belongings up to a certain amount specified in the policy. This can include the cost of furniture, electronics, jewelry, collectibles, vehicles, clothing, or anything you deem valuable.

How Much Coverage Do I Need?

You will need to sit down with an insurance representative to help you determine the value of your personal belongings. This will obviously vary greatly from person to person, but this professional is trained to help you evaluate your things and set an appropriate amount of coverage. 

If you would like to learn more about renter’s insurance or any of our other insurance products, please contact us at Southern Risk Associates serving Foley, AL and the surrounding areas. 

Servicing States

  • Alabama
  • Mississippi
  • Georgia
  • Florida

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Have access to your auto ID cards anytime!


Partner Carriers

  • Alcon insurance services
  • American Modern
  • Amwins
  • Chubb
  • Guard Insurance
  • National General
  • Openly
  • Orchid
  • Orion 180
  • Progressive
  • RPS
  • SafeCo
  • Sagesure
  • State Auto
  • Swyfft
  • Traveler's
  • Universal Property