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Renters insurance is one of the last things most people think about when they move into an apartment. Most renters do not realize that if there is a problem where they live, they are not covered by the landlord’s insurance. Fire, lightning, theft, roof and plumbing leaks can all damage your personal property, thus the need for renters insurance.
In addition, most renters insurance policies also provide coverage for additional living expenses and liability. Additional living expense will cover your living expenses in another location if your home or apartment becomes unlivable following a loss. Liability coverage provides bodily injury and property damage protection in the event you are liable for damage you cause to someone else’s property or for injuries to others while they are on your premise.
Some common misconceptions about renters insurance include:
- Renters insurance is too expensive. For the price you would pay to see a movie a week, you can purchase a renters policy. You can get a basic policy for as little as $100 per year.
- I don’t have many valuables. A renters policy can cover everything from your clothing to electronics and household appliances. These things really add up if you had to replace all of your belongings following an apartment fire.
A renters insurance policy may also qualify you for a discount on your automobile policy. Stop by or call our office today to ask us about the many benefits of purchasing a renters policy from Bartz/Rumery Agency.
