If You Don’t Have Renters Insurance, You Aren’t Covered for Fires or Other Losses

Did you see any of the news reports below about apartment fires in Massachusetts? If not, please take a moment to click on a couple of them and then ask yourself.

“What would I do if this happened to me?”
“How would I get back on my feet?”

Dec 2016 – 22 Families Left Homeless After Apartment Fire in Methuen

Jan 2017 – Dozens Lose Apartments After 5-Alarm Fire Destroys Lynn Building

Mar 2017 – Fire Destroys Apartment Displaces 10 in Hardwick

Mistaken Assumptions You May Have

  • Your landlord’s insurance covers your personal belongings…it doesn’t!
  • Underestimating the cost of replacing all your belongings
  • Your landlord’s insurance covers someone injured in your home…it doesn’t!
  • Renters insurance costs a lot. It is typically less than $1.00 a day.

Fires are among the most devasting losses that can happen to an apartment dweller, but broken pipes, burglaries, and other situations can also cost money and cause stress. Unless you have renters insurance, your belongings aren’t covered, and neither is your personal liability. What if you caused a fire by accident that damaged other people’s property? You could be held liable and wouldn’t have any insurance to help protect you.

Getting Covered is Fast, Easy, and Affordable

For approximately $200 annually, you can have insurance that guarantees you’ll have money to replace everything you own and pay for extra housing expenses if needed. If you also carry auto insurance, you may receive a bundled discount and save up to 10%, which can offset some of the cost of obtaining renters insurance.

You can go online to get a renters insurance quote, or Contact Us to speak with one of our professionals. Answering a few quick questions gives us the information needed to provide you with a custom quote. In most cases, we can have you covered in no time.

Don’t keep putting it off. The next time you see a news report about an apartment fire, remember that those people never thought a fire would happen to them. It can happen to anyone, so be sure you’re protected to avoid a personal financial crisis.

Read Other Blog Posts

What to Do When Your Home Insurance Company Requires Repairs

What to Do When Your Home Insurance Company Requires Repairs

If your home insurance company requires repairs, acting quickly matters. Learn why insurers issue repair demands, common timelines, and how the right response can help you avoid cancellation or nonrenewal.
Swimming Pool Safety Homeowner’s Manual Blog Series 2 | Mother and baby swimming in a pool

Swimming Pool Safety | Homeowner’s Manual Blog Series

A backyard pool can provide endless fun, but it also comes with important safety and liability responsibilities. Learn practical pool safety tips that can help prevent accidents, protect loved ones, and reduce insurance risks.
Home Insurance "Rebuild Cost" vs. Market Value

Home Insurance “Rebuild Cost” vs. Market Value, Why it Matters

Home insurance is based on rebuild cost, not what your house would sell for. Understanding this difference helps homeowners avoid underinsurance and unexpected out-of-pocket costs after a major claim.
HVAC System Care & Energy Efficiency | Homeowner's Manual Blog Series

HVAC System Care & Energy Efficiency | Homeowner’s Manual Blog Series

Regular HVAC maintenance helps improve comfort, lower energy bills, and prevent costly breakdowns. From changing filters to scheduling annual service, simple steps can keep your system running efficiently year-round and help protect your home from unexpected issues.
Apartments

Common Renters Insurance Myths, Busted for Massachusetts Renters

Many renters misunderstand what renters insurance does and does not cover. This article clears up common renters insurance myths and explains how affordable coverage can help protect your belongings and provide peace of mind.
Person holding car keys

What Is Comprehensive Coverage in Auto Insurance and What Does It Cover?

Comprehensive coverage is part of an auto insurance policy and helps protect your vehicle from damage caused by non‑collision events such as theft, weather, or vandalism. Learn what comprehensive coverage includes, what it does not cover, and when it may be worth adding to your auto policy.
Extension Cord 1200

Stay Wired Into Electrical Safety This May

May is National Electric Safety Month. While electricity is an integral part of our daily lives and powers many essential appliances and devices, electrocution and other related risks should be taken seriously. Even a slight mishap or oversight could lead to serious injuries and damage to your home. Follow these safety tips.
Hurricane Season in New England What Homeowners Need to Know to Stay Protected

Hurricane Season in New England: What Homeowners Need to Know to Stay Protected

Hurricane season impacts New England more than many homeowners expect. From flooding to wind damage, preparation is key. Learn how to review your insurance, protect your property, and stay safe before, during, and after a storm.
Motorcyclist Cord 1200

Stay Safe With Motorcycle Safety Awareness Month

May is Motorcycle Safety Awareness Month. This time is dedicated to helping bikers and their passengers remain safe while cruising the road. Although your bike can be a thrilling and exciting way to travel, it’s also often more dangerous than using a passenger car. Check out safety tips to keep in mind.

Visit Our Personal Insurance Page

Personal Insurance

Life is an ever-changing journey, and it deserves a thoughtful, comprehensive plan to protect the things and people that matter most. Our dedicated team at Murphy Insurance is here to assist you in creating that plan. With a wide range of product options at our disposal, we ensure that your plan is tailored precisely to your requirements. Our commitment to providing clear, intelligent guidance to help you achieve true peace of mind. Learn more about our personal insurance portfolio.