If you just signed the lease to your new apartment, you likely have a million things you need to take care of. But what should be at the top of your to-do list is investing in a reliable renters insurance policy.

First Insurance Company in Honolulu, HI, understands that renters insurance is the first line of protection in preparing residents for the worst case scenario. Here’s why they say renters insurance is such a valuable investment if you want to keep yourself and your loved ones protected: 

• Theft Protection: Over 42,000 property thefts happen in Hawaii each year. You may think it’s better to avoid the up-front expense of a renters insurance policy. But the comfort of knowing your possessions are protected by a renters insurance policy will provide you with an invaluable sense of reassurance.
• Fire Protection: While no one wants to think about what would happen if their home caught on fire, living in a building with other people leaves the potential for unexpected incidences. Having renters insurance could be your saving grace should your possessions be damaged due to a fire. In the event your apartment becomes uninhabitable, the insurance company will pay for your added expenses, such as hotel and extra food costs, while repairs are being made to fix damages to your apartment.
• Liability Protection: Liability coverage is about financial protection. Without it, you could be seriously exposed. For example, if you accidentally break an expensive vase while visiting a friend’s house, you may be held responsible for the damages caused. Or if your dog bites someone during your morning walk around the block, you could be sued. With personal liability coverage, the insurance company defends you if you are sued and pays damages to the injured person up to the limit of liability.     

If you have been living without renters insurance, it’s time to take action to protect yourself. To get a quote from First Insurance Company, visit their website or speak with your independent agent.