Renters Insurance

Renting is pretty good when it comes to not having property taxes, lawn cutting, snow removal … but what if you came home and all your possessions were destroyed by a fire? Or if there was a break-in and some of your most expensive stuff was stolen? You may think that the building owner’s insurance will take care of all the damage caused by a fire. It doesn’t.

Your building owner is only required to carry insurance for the structure-usually covering everything outside “your walls” while everything inside falls under your responsibility unless you purchase renter's policy. This means any furniture, electronics, appliances or clothing without an insured value are uninsured as long as they're within "your walls".

The more you think about it, the more valuable your “stuff” may seem. It might not be worth very much in terms of dollars, but that is very different from how much it would cost to replace it. Buying new furniture or clothing or a computer can actually end up costing quite a bit- especially if your current ones are out of date.

You'll be surprised at how affordable renters insurance can be! Not only does this cover all your stuff, but also provides protection against liability for injury when someone comes into contact with them while they're inside the home. So if there ever was an unfortunate event where you were sued and judgment went against you...the renter's policy will cover things up to policy limits.

Renters are required to carry renter's insurance by many landlords. If you're not, don't be a statistic and protect your belongings from perils like theft and fire with the right policy!

To get an idea of how much it would cost to replace your belongings just do the math. Then check if you're required for one under the terms of your lease, and verify if there is renter’s insurance available at affordable rates in order to protect yourself from any mishaps such as theft or fire.

Renters insurance can protect your personal property from damage, theft, and severe weather. This type of insurance typically includes coverage for electronic goods and equipment, furniture clothing glassware and china as well as books. Additional items such as computers jewelry furs watercraft firearms or a boat may also be covered with extended protection. Renters Insurance generally covers electronics appliances clothing furniture glassware china for example laptops TV clothes tablets dishes shoes hats boots etc.

• Personal property protection
• Family liability protection
• Guest medical protection
• Additional living expenses
• Additional protection
• Temporary housing
• Liability protection for people on your property
• Lawsuits where you are held responsible for: Injury to another person; Damage to another person's property (whether the incident occurred within your rented residence or elsewhere)

Again, we encourage all renters to spend just five minutes with a calculator to add up the cost of replacing everything they own. What if you came home tomorrow and your apartment had burned down? Where would you go? How would you pay to replace your clothing, furniture, and appliances? When you ask yourself what renters insurance covers, you can relax and say yes to all of the above.

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.