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    Renter's Insurance

    Renter's Insurance

    Featured Image

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    Moving can be a very stressful experience. Planning your move, packing, cleaning your home or apartment, finding the perfect place to rent, and the list goes on with additional living expenses increasing. In the midst of what can be a chaotic transition, don’t overlook the importance of renter’s insurance and personal liability.

    Many property management companies require proof of renter’s insurance up to $100,000 in liability coverage while some do not1. However, it’s up to you to ensure your belongings are protected. It’s a small price to pay for peace of mind and the personal property coverage you’ll need in case of a disaster.

    With the national average renter’s insurance policy costing between $15 and $30 a month2, you may be surprised to discover that only 41% of renters even have renter’s insurance3.

    Some renters trust their landlord’s insurance will transfer to them in case of property damage. Another common myth is if you don’t own much personal property, then you can probably get by without additional coverage.

    The truth is, a landlord's policy likely won’t cover your personal possessions. And it’s also likely that your personal possessions are worth more than you think – especially when you consider their actual cash value or total replacement cost.

    Do I Really Need Renter’s Insurance?

    Do I Really Need Renter’s Insurance?

    Consider a windstorm, theft, vandalism, water damage, fire or any other destructive experience that could happen to anyone. Would you be financially equipped to pay out of pocket to replace or restore your personal property? Would you have enough cash to afford a hotel for a few weeks while your home was being repaired from property damage?

    A standard renter insurance policy will offer protection for your personal belongings in case of natural disasters or other events outside of your control. Typical property insurance policies cover things such as loss of use, so in the event you are forced out of your rental property due to an accident, your insurance may cover a hotel. They also provide additional coverage and liability coverage in case a visitor suffers a bodily injury in your home and even property of others. Create a list of your home inventory and make sure to find a policy that can cover damage as well as covered losses.

    Where Do I Get Renter's Insurance?

    Where Do I Get Renter's Insurance?

    Often times your insurance company will offer a deal if you bundle multiple policies together – so first, check with your auto insurance provider if you have one. Otherwise, ask a friend or co-worker who also rents to see to where they get their insurance coverage from. The internet is also a great tool to shop around and quickly find discounts.

    Take the time to do some research and find a policy that is best for you. You’ll never regret having the peace of mind that comes with knowing your personal items are covered in case of an emergency.