You may not own the home you live in, but all the stuff in it is yours. Everything from the furniture to your electronics and housewares. Protect your stuff with renters insurance.
Why do I need Renters Insurance?
If you are renting a home or an apartment in Ohio or anywhere, you might be wondering if you need Renters Insurance. Well the answer is a resounding YES! Many landlords require proof of renters insurance before they even let you sign the lease. The landlord’s insurance will not cover your personal property or protect you from liability!
The cost of Renters Insurance is far less than the cost of having to replace your personal property. You would be surprised by how much stuff you actually own and even more shocked when you added up how much it would cost to replace it all.
A Renters Insurance policy will protect your belongings in the case of theft, fire, water damage, or other perils.
Here are a few things you probably didn’t know about the benefits of Renters Insurance.
Did you know that a Renters Insurance policy will also protect your belongings when you are away from home? Imagine you take your laptop to a coffee shop and when you aren’t looking it is stolen. If you have Renters Insurance, your laptop would be covered, subject to your deductible.
What happens if you accidentally cause harm to another unit in your apartment building? Let’s say you left the iron on before leaving for work and your negligence caused smoke or fire damage to a neighboring unit. Well, if you didn’t have a Renters Insurance policy you would be responsible for the damage.
Another scenario that could cause you financial harm is a personal liability claim. What if your normally sweet little dog bite one of your friends? If you had a Renters Insurance policy it would cover the costs related to your friend’s injury.
A Renters Insurance policy can also get you a multi-line discount, saving you money on your auto policy!
The average cost of Renters Insurance is between $15-30 a month. Could you replace what you could potentially lose for less? Be smart. Protect your assets with a Renters Insurance policy from Botson Insurance Group.