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“I rent an apartment. I don’t need insurance - do I?”
Yes - you need Renters Insurance.
If there is a fire or other catastrophe, who will replace your:
- clothing
- furniture
- stereo
- TV
- computer
- jewelry
Your landlord only insures the building you live in - not YOUR personal belongings!
Personal Property
Your Renters Insurance policy can help replace
your personal belongings in the event of a covered loss. Common losses are due to
not only fire and theft, but also accidental and sudden discharge of a sprinkler
system. Water damage can be as destructive as fire- don’t get caught without
the right insurance!
Loss of Use
Your Renters Insurance policy can pay the additional
costs of living in hotels, eating in restaurants, etc., while you are out of your
home due to a covered loss.
Personal Liability Coverage
This coverage gives you liability
protection against claims caused by almost any unintentional act, and will help pay
legal expenses to defend such a claim.
Personal Articles
Discuss with us coverage for your valuable
articles, such as jewelry, furs or collectibles, when their value is higher than the
limits stated in your policy.
Contents Replacement Cost
This option extends the coverage on
your personal property to include the ACTUAL cost of repair or replacement without
deduction for the depreciation. There are, of course, policy limits, so ask us for
details.