Renters Insurance Can Be Very Helpful

No matter how organized you are financially, you are probably sick of the endless stream of bills–and having to add renters insurance may seem like the final straw for breaking your budget. From living expenses to the car payment to the wifi/cable bill and on and on, it is often hard to tell how much money is coming in as you seem to be doing nothing but sending it back out. Unfortunately, insurance is usually a big part of the financial equation as well. Health insurance is a huge issue in the US, and this is one area that must be carefully considered, along with auto insurance. If you own a home, homeowner’s insurance is a must, and depending on the area you live in, you may be required to carry extra coverage for weather or disasters like earthquakes and landslides.

The Homeowner’s Insurance Will Not Cover You

Renters often overlook the importance of getting insurance for their residence, as they may not feel a sense of permanence regarding their current residence. Renters also may erroneously assume that because the owner of the home or apartment has insurance, their assets being kept there would be covered too. Not so. Still, some renters just don’t feel like bothering with the hassle or the expense.

Renters Insurance is Inexpensive in Comparison to Replacing Everything

Imagine how you would feel if you had to replace the contents of your home or apartment though. Considering you may be able to obtain renters insurance (also known as tenant’s insurance) for less than a few hundred dollars a year (‘pennies a day’), it may be well worth it—and in some cases, it may be required. If your home is robbed or there is serious damage to the contents, knowing that you have insurance will take some of the sting out of what is usually a traumatic experience.

Renters insurance usually covers:

The contents of your residence, depending on the limits you choose to pay for. It may even cover items that are stolen out of your car while it is in the driveway or garage.
Medical bills if you are hurt while in the home—or if a guest is; in fact, you may have liability insurance of up to $100,000 with an inexpensive policy.
Living expenses if you must move while the house is being repaired after extensive damage.

Consider Deductibles & Different Types of Coverage

Make a list of what you would need to replace should theft, fire, or other disaster strike. As you compare prices and insurance companies, get educated on what would be the best deductible, premium, and plan for what you currently own. You should find renters insurance to be both accessible and affordable.

Contact Us for Help

Keep in mind that your landlord’s insurance should cover the building itself and any repairs that need to be made due to damages. If you are living in a home or apartment that is not being repaired, consult with an attorney who is experienced in landlord tenant law, like Shane Coons.

Contact us now at 949-333-0900 or email us at Shane.Coons@seclawoffices.com if you need more information regarding your rights as a tenant. We can review your case, answer your questions, and help you decide how to move forward. We are here to help!

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Renters Insurance Can Be Very Helpful

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