Don't Overlook Renters Insurance. Get Covered.
You might assume that you don’t need it because they are covered through their landlord’s insurance. This is not accurate and making an assumption can end up costing you a significant amount of money. Your landlord looks out for himself and you have to look out for you. It’s not a required form of insurance in most instances, but you will be glad to have it in the event of a catastrophe.
Your landlord may have a homeowners insurance or property insurance, but that covers the structure itself. If they were living in the property, then it would cover their personal belongings. However, since you are a tenant or renter, your belongings are not covered. This is what renters insurance is for – to cover your belongings when you rent property.
Whether you are in a condo, a townhouse, an apartment, or a home that you are renting from someone, renters insurance will protect your furniture and other belongings. This will ensure that you are able to get them replaced in the event that something happens.
You can never be too sure what is going to happen, particularly in a rental. The people next to you could start a fire and that could cause your apartment to burn as well. The structure is covered in the insurance of the landlord, but you need the renters insurance to be able to make a claim against all of your personal belongings.
Renters Insurance can be very affordable. We take the time to help you establish an amount of coverage based upon the value of things in your home. You may have expensive furniture, collectibles, art, and various other items that need to be covered properly. Your loss may be something that comes out of your pocket, and that can be devastating.
Our goal is to prevent these things from happening by helping to establish sufficient coverage. Call us today and let one of our agents begin working with you on a renters insurance policy.