Most apartment fires in Kentucky can be devastating on all the residents of the building affected. Legal questions that arise when bad things happen to renters include: (i) whose fault is it that a person was injured or killed, (ii) who caused the fire, or (iii) whose going to pay for the items damaged by the fire. Renter’s insurance acts the same way as homeowners insurance, except that you are not insuring the building, only its contents and your liability. Apartment fires not only destroy the contents of the apartments where the fire spreads, but also the contents of the apartments around the fire are damaged by smoke and water, due to the fire and the extinguishing of such. Apartment fires cause serious injuries and even deaths frequently in Kentucky.
Renters insurance is extremely affordable for residents of apartments, and can run as little as $15.00 per month for insurance protection for liability, contents, and medical bills. That’s less than what the average person spends monthly on their newspaper subscription. The coverage afforded for this reasonable monthly cost usually includes: (i) 100,000.00 in liability insurance protection, (ii) $25,000.00 in content protection, and even a medical pay provision for guests who are injured and need medical attention.
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