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Renters Insurance 101

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You just left your apartment for the day and have a busy day at work ahead. In all likelihood, you may not get home until it's dark. After a long day, you pull up to your apartment and see your front window is broken and there is a note on your door. The neighbors were playing catch and, unfortunately, your window was a casualty. What can you do? It was just an accident, but it is definitely not what you needed right now. Good thing you purchased that renter’s insurance policy. You will call your insurance company in the morning and it will be like it never happened. 

Your home is your sanctuary. It is where you keep all of your most precious belongings and where you feel the most secure. So how can you make sure that your home is protected when you are a renter? Renters are often faced with difficult situations when there are natural disasters, break-ins, theft, repairs, or damage.

As a renter, you are concerned with how you can keep your home safe when you do not own the place you are living in. The best way to make sure that you are securing your belongings and protecting yourself as a renter is to purchase renters’ insurance. 

Oftentimes, your landlord or leasing company will require that you purchase renters’ insurance, as it is mutually beneficial for them and the renter. By protecting your belongings and the property as a renter, the owner of the building or landlord has decreased liability when it comes to your belongings. This means that you, as the renter, are protecting yourself in the best way possible. There are several factors to keep in mind when you are purchasing renters’ insurance. Turn to Insurvita to match you with the best fit for you. 

What do you want to cover?
 

One of the most important steps in purchasing a renters’ insurance policy is to take inventory of your personal belongings and what you may want to cover. Basic coverage for most policies does not include specific items unless otherwise mentioned. Make sure that you have gone through all of your possessions at length and cover anything with value to you. Each policy comes with a coverage limit, so be specific with the amount which you would like to insure. 

Accidents happen 
 

In the event of an accident, it is important to have renters’ insurance. Depending on the severity of the accident or the manner in which it occurred, the tenant may be held legally responsible. The only way to make sure that you limit your liability as a renter is to purchase a renters’ insurance policy. These accidents can be as small as a broken window or dishwasher. By covering all of your bases as a tenant, you save yourself a lot of time, money, and headaches. Purchase your policy today to stay prepared for those unexpected moments as a renter. 

Don’t waste a minute
 

Life as a renter is busy and you don’t have any time to waste. Protect your belongings and your home as soon as you move in and take control of your life. Insuravita is ready when you are! Make a safe and responsible choice and get renters’ insurance today.