Archives for October 2012

Why do I need Renters Insurance?

Whether you call home, sweet home a rented house, condo or apartment, you can benefit from Renters Insurance…

Just because your landlord has coverage doesn’t mean that you do, too. In most cases, your landlord’s insurance policy covers only structural damage to the building itself. If the structure goes up in flames, your landlord’s coverage would include repairs to the building, but not reimburse you for your possessions. Renters Insurance protects your possessions in case of a covered loss from fire, smoke, lightening, vandalism and theft. It also extends beyond on-premise theft and hazards, covering property that is stolen from your car, or is lost or damaged anywhere you happen to be.

What do you think your belongings are worth? Conducting a thorough home inventory might be an eye-opening experience since the value of your furniture, DVD collection, clothing, books and moveable appliances can really add up. Without coverage, replacing these items could be a real financial hardship. With Renters Insurance, you are covered.

Plus, if you have valuables such as expensive jewelry or collectibles, an Endorsement to a Renters insurance policy can add to the policy’s provisions. This means that in the event of a covered loss, the amount of insurance is enough to cover the repair, replacement or cash reimbursement of the item. That also means that your expensive camera equipment or wedding ring can be covered, too.

Renters Insurance provides protection against both property loss and liability (in the event that you cause injury or property damage).  To learn more about what that means, call us today 687-4711.