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House on firePerhaps you woke up in the middle of the night to the piercing scream of smoke alarms. You grabbed what you could and raced out of your home. The fire was significant and scorched a great deal of the structure. When you finally get into your apartment, there's plenty of damage. In many situations, fire damage is worsened by smoke damage and water damage.

Oftentimes, even if the unit is structurally sound, you cannot remain in it until the damage is cleared away. Your landlord’s insurance covers the building itself, but what about your possessions? If you have renters insurance, you may have the protection you need.

It is important to have a renters insurance policy. Even if the fire isn't your fault and isn't even in your apartment, your landlord's insurance policy may not be effective in replacing your belongings. However, renters insurance does more than just provide coverage for the items you've lost. It can also help you out in a time like this where you simply cannot remain in the property because of the damage.

Most policies can provide you with a payout to cover the costs associated with staying in a hotel while your property is being repaired. If you find yourself unable to live in your location, contact your agent right away after the event. Let him or her know what's happened.

In some cases, an adjuster will need to come out to your home to conduct an investigation. If they agree that you cannot remain there for safety or health reasons while the property is taken care of, they can generally pay for the costs associated with a temporary residence.

When the worst happens, it’s a good feeling to know that there is a team to help you. If you've done the work now of ensuring you have quality renters insurance and that it provides you with as much coverage as possible during these instances, you'll appreciate it later. The key is to make sure the coverage amount you have is enough to cover all costs related to the incident, including replacing your belongings and paying for your hotel needs for the duration of the repairs.

Are you covered? Call Peachstate Insurance at (877) 997-2478 for more information on Marietta renters insurance.

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