Why You Need Renter’s Insurance

renter's insurance

August is just a week away, and college students will be renting U-Hauls and moving into their new apartments! Whether you’re going to re-sign or move somewhere else, a new lease marks a new beginning. And new beginnings should start out right…. right? This might just mean signing up for renter’s insurance.

Did you know if you were renting an apartment or a house and the dwelling catches a blaze and you lose everything, your belongings are NOT covered under your landlords insurance?  Remember, you may not own the building in which you live, but you still need to have insurance to protect your property in the case of fire, theft or other unexpected events.

Renter’s insurance protects all the student’s possessions from multiple risks, including fire, vandalism, theft, and even damage from smoke. So what are you waiting for? Renter’s insurance is cheap! You can protect all of your items for about $12-$18 a month! Talk with your insurance agent to find out more about renter’s insurance and why you should get it!

Inventory Tips:

  • Take photos: Take snapshots of your biggest, most valuable pieces: furniture, electronics, and so on. Open your kitchen cabinets and closets and snap a picture of the contents. Make sure to pull out anything especially valuable that you might want to get a close-up of.
  • Put it somewhere safe: Make a copy of your inventory and your insurance policy and store it somewhere safe that is not your house. This might be a safe deposit box at your bank, at a friend’s house, or in an online cloud storage system. Better yet, upload the photos online or burn a disc and tuck it away too.
  • Don’t forget to update: When you renew your insurance policy each year, be sure to make a note of any new items you’ve acquired and add them to your records.

Until Next Time,


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