Before You Say, I Don‘t Need Renters Insurance…

One of the most essential things Renters Insurance covers is damage to your personal property. Your landlord’s insurance doesn’t cover your personal belongings if a covered loss, such as fire, water damage from an overflowing sink or toilet, theft, or vandalism, happens to your apartment. Most of us know bad things can happen but then tell ourselves, “It won’t happen to me.” Just think about any house or apartment fire you’ve seen on the news recently. Those people probably thought the same thing, but then it did happen.  Sadly, so many tenants are not prepared for having to replace everything they own.

It would cost a lot to replace everything you own.

A common objection is, “I don’t need renter insurance because I don’t own a lot of stuff.” You have clothes, furniture, appliances, electronics, and much more. It’s not about the value of what your stuff is worth if you sold it all; it’s about what it will cost to buy everything new if you lost it all. Imagine losing all your clothes in a fire. It could cost you hundreds, if not thousands, of dollars to replace them.

Renters Insurance costs less than you think.

On average, it costs about $15 a month to cover everything you own, plus you’ll probably get a discount on your auto insurance because you’ve purchased renter’s insurance. A pizza can cost more than $15.  If you still think that’s a lot, consider the cost of replacing everything you own. Most people wouldn’t want to think about spending all their disposable income replacing everything they own. Odds are, you’re one of those people.

Renters Insurance is about more than just the things you own.

Renters insurance also covers the following:

• Your liability expenses if someone gets hurt in your apartment. Imagine someone tripping on a rug and falling, causing a head injury or broken bones. Your renters insurance will cover some legal costs. And even if they don’t sue you, your insurance can cover certain medical expenses for your injured guest.
• Increased living expenses.  This doesn’t mean your insurer will pay for your rent, but if there is a covered loss, making your apartment uninhabitable, your policy could reimburse you for food and temporary housing. Don’t be the person standing outside your burning apartment building in the middle of winter, having lost everything you own, having no place to go, and having no idea how you’ll pay to get back on your feet. Renters insurance can help you get your life back on track faster.

Even if a disaster happens and someone else might be responsible against whom you could file a claim, that takes time, plus there’s no guarantee they have insurance, or you’ll be successful. For just a few dollars a month, you’d have the peace of mind of knowing that you have a plan to help you recover financially.

It’s easy to buy and takes less than 15 minutes to apply.

We’re all busy, but applying takes just a few minutes. You can apply via our online application, so while watching TV or sitting around, you can use that time to protect yourself and your stuff. Why not give yourself the peace of mind?

Let us protect you…please Contact Us.