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What Are The Benefits Of Renter’s Insurance?
February 23, 2020
Renters Insurance is an affordable protection for apartment living.
There are many young professionals that have to think about insurance more than ever before - whether it’s home insurance, car insurance, or life insurance. Millennials also favor experiences over ownership, which is one of the reasons that many of them in the United States choose to rent.
It’s also another reason why you might want to start taking renter’s insurance seriously.
There are various benefits to renter’s insurance - it might be about peace of mind to some. To others, it might be a way to make sure that their belongings can be replaced after a robbery or theft of some kind. Here are some other benefits of having renter’s insurance.
Peace Of Mind
It doesn’t matter whether you’re single or have a large family - your belongings matter to you. Why shouldn’t you protect your furniture and jewelry? You may have also developed an emotional connection to your things, as well.
Ultimately, renter’s insurance can provide real peace of mind. It can be reassuring and invigorating to know that your possessions are protected. You might be worried about your electronic devices, or some jewelry that you inherited. Either way, working with an independent insurance agent you can find policies that fit your needs.
Renters Insruance Not A Burden
There are some insurance policies that are quite expensive. Renter’s insurance really isn’t that costly, especially when you consider that it can help you in a dire situation where there aren’t many options left.
You don’t have to save up for months in order to afford renter’s insurance, so it’s not a huge financial decision that could haunt you for years. In fact, the annual premium for renter’s insurance is usually between $120 and $190.
Potential Accidents
One of the reasons that insurance is so important is because it can help you when you need it the most. For some, it’s about having some financial cushion while their claim is processing. Others might want to make sure that their guests are protected - which is exactly what can be covered with renter’s insurance.
If your guest has an accident of some kind, renter’s insurance can help with the financial liability. While it’s ideal that no one ever be injured in a place that you are renting, renter’s insurance can prove useful in these situations. You can even purchase a policy that covers any legal costs as well.
Pet Problems
You can even purchase a renter’s insurance policy that can cover injuries if your dog happens to bite a guest. Ideally, your dog won’t bite anyone, and no serious injury will ever occur - but if you are worried about the chances of that happening; renter’s insurance can actually help.
Temporary Items
This fact might not be advertised that much - but “renters insurance” actually counts for everything that is in your possession. This means that policies can cover objects that are not even yours, and that you are borrowing from someone else! That fact might not apply to everyone, but there are some that might find this comforting.
Let’s say that you are a professor and a friend of yours lent a very valuable rare book of some kind. There might also be a situation with a friend or family member where you borrowed some expensive jewelry or lavish high-fashion clothes. Renter’s insurance can protect you in case there was a theft or other loss in these situations.
If you are interested in learning more about protecting your possessions and financial stability in the case of an unforeseen liability claim call us here at the Wallin Insurance Agency 607.734.8799. We can help you find just the renter’s insurance policy you need.
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