Who needs an Ohio renters insurance policy?

Those that are living in the Niles, OH area will have a lot of different housing options to consider. One type of housing option that is ideal for many people is to rent your own home. When you rent a property, you will have more flexibility and fewer maintenance obligations. However, it is still important that you get a quality insurance policy before moving into your new home. There are several situations when someone will need a renters insurance policy. 

When Trying to Comply with Lease

One situation when you will need to get a renters insurance policy is when you want to comply with the terms of your lease. Most landlords today want to ensure that their tenants are properly covered by insurance. In most situations, they will have direct insurance requirements and will expect that you provide evidence of insurance coverage before you start the term of your lease. 

When Looking for Coverage

Even if you are not required by a landlord to get this insurance, you should still get renter’s insurance coverage when you want to receive protection for yourself. A renters insurance policy will offer many forms of insurance coverage including protection that covers your personal items and offers liability protection. This can be extremely valuable coverage that makes it well worth the investment. 

As you are looking to move into a new home in Niles, OH, and need to get a renters insurance policy, it is important that you speak with the team at the Ruddy Insurance Group. When you call the Ruddy Insurance Group you are going to learn more about the benefits of this form of insurance coverage. This will help to ensure that you receive all of the benefits that come with this form of insurance. 

If Black Mold Is Found in an Apartment, Who Is Responsible?

In Niles, OH, the Ruddy Insurance Group works with its clients who have been exposed to black mold while living in their apartment. In most cases, black mold and its safe removal is the responsibility of the landlord. There are many instances in which renters are unaware that black mold has even started to grow in their apartment. 

Contact Your Landlord Immediately

If you find black mold anywhere in your apartment, it is up to you to notify your landlord immediately. Once they are aware of the situation, it is up to them to take the appropriate action to have the mold removed and also to prevent it from coming back. This process can take several days which means you may be required to get a hotel room while they work.

Loss of Use Insurance

Having Loss of Use insurance included in your policy will ensure that you have the money you need to get a hotel for a few nights while your apartment is unlivable. You may have to replace some of your belongings if the mold has worked its way into your living area. Your insurance agent will have to work with you to determine the extent of the damage. 

At Ruddy Insurance Group, the agents work with residents who live in or near Niles, OH to make sure their apartments or rental homes are safe to live in. This means controlling black mold and preventing it from doing irreparable damage in terms of their health and well-being. When you have questions about black mold or what your responsibility is to your landlord, call and schedule a meeting with your agent today!