This is a sad story that we have heard all too often: a tenant a fire and lose everything because they do not have rental insurance. We are not the only ones who hear this story - the Red Cross said they run in this scenario more and more often. In fact, a recent survey by the Insurance Information Institute (III) found that only 37 percent of renters have renters insurance, against 95 percent of homeowners who have a homeowners insurance policy
We hear all kinds of excuses .:
Myth :. my owner insurance will cover the loss Reality : the owner's insurance covers their building, not your property
Myth: This is too expensive. Reality: This is cheaper than you might think - especially considering the alternative. According III "... the average cost of the policy of a tenant is only $ 187 per year, less than four dollars a week"
Myth . My possessions are not valuable enough to cover Reality . It is very expensive to replace any Even for students in furnished apartments, the cost of replacement clothes, books, notebooks and other goods. staff may be added. in addition, renters insurance covers many things that people often do not expect. It would help to protect you if a customer were injured in your home or if a laptop were stolen from your car. It would also help pay for temporary living expenses if your apartment is destroyed.
III provides a checklist renters insurance and check the short video clip below to get advice a mannequin 😉 We also encourage you to give a call to your local independent insurance agent for details.
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