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Most people assume that their landlord’s policy will pay for their belongings if they were damaged or will put them up in a hotel if they are displaced due to damage to the unit they are renting. That is not the case. Renters insurance is something that I rarely see people purchase. However, it’s just as important as car insurance or homeowner’s insurance. You are still insuring all of your valuables and providing yourself with liability in the event of catastrophe. Imagine these few scenarios:

  • You are cooking dinner and accidentally start a grease fire that burns the apartment complex down. Your landlord’s insurance policy will pay for the repairs but since you started the fire, they will turn around and sue you for the damages.
  • You go on vacation during the winter months and turn your heat down to conserve on your electric bill thinking the heat from the neighboring units will keep your pipes from freezing. Turns out your neighbor had the exact same idea. While you are away your pipes freeze and burst damaging all of your belongings, your unit and the one below. Your items are destroyed with no insurance to replace them, your landlord’s insurance carrier sues you for the damages they had to pay to repair the units and the person below sues you for the damages to their belongings due to negligence in turning your temperature down.
  • A friend is over at the house you rent and your child left something on the steps that your friend trips over and tumbles down the steps severely injuring themselves. They end up suing you for bodily injury and medical expenses.
  • An electrical fire starts in the walls of your apartment and burns your entire unit up with all of your belongings. You have no insurance to pay to replace your belongings and no insurance to put you up in a hotel room or pay for your increased food expenses.

What do all of these scenarios have in common? Your renters insurance could have paid for all of the damages. Without renters insurance you are opening yourself up to uninsured claims and financial altering events.

Take a look at some of the coverages our policies provide:

  • Building Additions and Alterations
  • Personal Property
  • Liability
  • Ordinance or Law
  • Earthquake
  • Equipment Breakdown
  • Water Backup
  • Personal Injury
  • Identity Theft
  • Loss Assessment
  • Medical Payments
  • Flood
  • Jewelry, Watches, Furs
  • Guns
  • Valuables and Collectibles
  • Replacement Cost
  • Special Personal Property

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