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Advantages of Renters Insurance

Advantages of Renters Insurance


Many renters don’t purchase renters insurance because they believe they are covered by the landlord’s property insurance policy. The reality is that renters need to purchase their own insurance coverage to financially protect their possessions against losses due to theft, fire and other disasters.

Some things a typical renter’s insurance policy financially protects:

•    Your possessions are usually financially protected against theft, vandalism and fire and other specifically named risks.

•    In the event your apartment sustains damage that makes it temporarily uninhabitable, your renter’s insurance may cover the cost of alternative living arrangements and related expenses while your apartment is being repaired.

•    Some renters’ insurance policies provide coverage for items you take with you while on vacation or in your car.

In addition to providing coverage for your possessions, most standard renters’ insurance policies provide liability coverage. This means if someone is injured or harmed while in your apartment and files a lawsuit against you for damages, your insurance may help pay for the costs involved.

Take the time to add up the cost of replacing all your personal possessions, including appliances and furniture. Do you have enough back up funds to comfortably cover the cost of replacing your belongings while paying for temporary accommodation?



The COVID 19 virus has certainly changed our lives for the short term both at home and at work. Our office is working in compliance with state and local officials and their request to minimize contact with others for the short term so that we can shorten the life of this virus.
As such, our offices will be available by phone or by e mail 8-5 Monday thru Friday. If you need to make an appointment to come by, please call us before you drop by, so we can reduce risk, and take care of our staff and just be safe.
Please don’t hesitate to call us and if for some reason you can’t reach us, please look at our website for carrier contact information. Thank You for your continued business.

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