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Many renters assume their landlord's property insurance will compensate them for any damages from broken pipes, fires, or other disasters. Unfortunately, that policy only covers the building, not your personal belongings, so without renters insurance, you could find yourself paying for your losses out of pocket.

Here are just a few reasons renters need comprehensive insurance:

  • renters insuranceYou Own More Than You Think: Do you have any idea how much it would cost to replace everything you own? What about the contents of just one room, from the furniture down to the lamps, books, and appliances? Chances are, this is much more than you can easily afford, even if you don't count big-ticket items like electronics and jewelry. Renters insurance includes a substantial amount of personal property protection, and you can get additional coverage for especially valuable belongings, like collectibles and precious stones.
  • It's Affordable: Compared to the potential cost of replacing your belongings, renters insurance is relatively inexpensive. In fact, most households can adequately cover all their belongings for just a few hundred dollars a year, gaining peace of mind and protection against a wide variety of perils.
  • It Includes Liability Coverage: If you're responsible for someone's injury on your property or a member of your family accidentally hurts someone somewhere else, the liability coverage contained in your renters insurance policy will pay the claim for you, along with your legal expenses. Depending on the situation, the liability coverage could save you from bankruptcy.

Since 1998, the independent insurance agents at Tammy Ross Insurance have provided custom-tailored renters insurance policies to families throughout the Monroe, NC, area. They sell policies from many of the industry's top carriers, giving them an extensive variety of products to choose from. To learn more about the difference an independent agent makes, visit their website, or call (704) 233-4981 to get renters insurance quotes over the phone today.

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