We’ve all rented a room, house or apartment at some points in our lives. But how many times during those parts of your life was the place broken into and your belongings were stolen? How many places burned down?

Probably none.

As humans, we tend to think about insurance coverage AFTER we need it. After something terrible has happened, we think back and regret that we didn’t just buy that coverage or buy that warranty. When life is good, preparing for a tragedy is very far from our minds.

Why do you need it?

Most landlords have insurance that will cover damage to the building, but not your belongings. So your furniture, electronics, etc. can be stolen or damaged and you would be responsible for replacing them. Talk about expensive!

Renters insurance will also cover damage to the apartment! If you overflow the tub or leave the stove on, you don’t have to worry about those expenses coming out of your bank account. Can you imagine how much those repairs would all cost if you had to pay for it yourself?

Did you know that it will also cover accidents in the home? If you’re having a party and someone hurts themselves, you could be responsible for their medical bills and possibly legal bills if they decide to sue. If you are carrying renters insurance, that majority of those expenses will be taken care of.

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Renters insurance isn’t expensive; it might be more affordable than you think. In the long run, it will be cheaper than having to replace everything you own. Give us a call for a quote today!