Why Do You Need Renters Insurance?
All too often, life is defined by the unexpected—especially if you live on rental property. What are your neighbors doing upstairs? What was that loud BANG! from the next-door apartment? You can’t control or predict what neighbors do. Neither can you direct the weather or prevent every possible mishap. Accidental fires or other kinds of accidents and disasters strike can strike anyone, anytime. And sometimes even the most stringent precautions won’t prevent you from being targeted by vandals and/or thieves. Renter Insurance from Insurance Express covers and protects you and your personal belongs if the worst happens.
That’s why renters insurance is critical to protecting your assets. Your landlord probably maintains some type of tenant insurance, but this coverage is bare-bones and will reimburse you for almost nothing—if that. Without doubt, landlord insurance provides zero reimbursement for your personal stuff (like costly electronic and clothing) or injuries to guests visiting your home, which can leave you venerable financially.
Why Renters Insurance? Your Stuff Is Probably Worth More Than You Know
Because you’re a renter and not a homeowner, you might believe you don’t need renters insurance; you simply don’t have sufficient assets—or so you believe. For most people, this simply isn’t true. Unfortunately, many renters simply don’t realize how much they stand to lose.
For example, the average tenant owns more than $35,000 worth of personal possessions, most of them kept in the rental unit. And $35,000 is an average. Many tenants own significantly more, others own substantially less. And it’s a given that landlord insurance won’t cover any of your personal possessions.
If unexpected disaster destroyed all your stuff, do you have $35,000 in liquid assets to buy replacements? What about $20,000 or $25,000 in cash? How about $50,000 or more in cash?
If you answered "no" to these hypotheticals, it’s time to buy renters insurance or, maybe, to increase your coverage amounts! In other words, it’s time to call Insurance Express!
What Does Renters Insurance Cover?
A good renters insurance policy will protect most if not all of your valuables. Proper renters coverage will reimburse you for losses incurred from unexpected disaster. Those monies make it easier to recover and get back to life-as-normal.
A renters insurance policy protects you from fires, wind and hailstorms, lightning, theft, and other unanticipated mishaps, including aircraft and motor-vehicle accidents—even riots.
What is Excluded from Renters Insurance?
Like other insurance policy types, renters insurance also excludes coverage for specific event types:
• Earthquakes and mudslides
• Natural deterioration and neglect
• Bird, rodent, insect, and domesticated animal damage
Contact Insurance Express for a Free Renters Insurance Quote
Shield your assets against the unforeseen with renters insurance from Insurance Express. As an independent insurance agent in Gilbertown, AL, we offer free, comparative quotes on renters insurance from multiple carriers, meaning you’ll get the best possible rates! No more shopping around; let us be your last-stop shop for insurance comparison shopping! We proudly serve all of Alabama & Mississippi, with a primary focus on Choctaw, Washington, Marengo, Sumter and Clarke counties, including the cities of Gilbertown, Butler, Silas, Millry, Chatom.
If you’re ready to start a new friendship with an Alabama renters insurance agency that puts your best interests first, call Insurance Express at (251) 843-2299. Or for a free online renters insurance quote, just fill out the "Request a Quote" form on our Contact Page.