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Many renters assume that because they don't own a home, they don't necessarily need to buy insurance against natural disasters and other unexpected events. However, this couldn't be further from the truth—the property you rent is just as vulnerable as everyone else's, and you’re responsible for your belongings while you rent. Mutual Underwriters, one of Hawaii's most trusted local insurance companies, encourages everyone to get a good renter's insurance policy.

Here are just a few reasons having renter's insurance is so important:

  • Your Landlord's Insurance Doesn't Cover You: Many renters assume that their landlord or apartment complex will have insurance to cover their losses if something happens, but this is almost never the case. The property owner's home insurance will compensate them for damage to the building itself, but has no coverage for your belongings.
  • insuranceYou Own More Than You Think: While high-value items like electronics and jewelry are important, consider how much it would cost to replace everything you own, from your clothing to your kitchen utensils. Compared to the cost of losing everything, a renter's insurance policy is actually a great investment.
  • The Coverage Is Comprehensive: Renter's insurance protects you from a wide variety of threats, from fire and theft to falling airplane parts. Whether a burst pipe ruins your sound system or your rental home is destroyed in a blaze, you can be confident that you'll be compensated for any damage. For a little extra, you can also get protection from flood and earthquake damage.

With locations throughout Hawaii and a reputation for providing individualized attention and policies tailored to your unique needs, Mutual Underwriters offers renter's insurance with the best rates on the market. Visit their website to learn more about their history of excellent local service and find your nearest location, or just call (808) 532-2888 to make an appointment and request insurance quotes over the phone.

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