Your apartment building is burning to the ground before your eyes. You are safe but everything you own is inside. It’s burning and doesn’t stand a chance. What are you going to do? Where are you going to go? How are you going to replace everything? You don’t have renters insurance. You didn’t think you needed it. Something like this was never going to happen to you. Everything is gone.
Unfortunately this scenario is one that is replayed daily for thousands of renters who do not take just a few precious moments and a few pennies to ensure protection for themselves and their families by obtaining renters insurance.
Many mortgage companies require homeowners to carry insurance. But it’s a rather large numbers of renters who either put off protection for their belongings or just don’t have it that are often devastated by fire, theft, flood or vandalism, leaving them without any means to replace their valued possessions and reclaim their lives.
That’s why renters insurance is so very important.
Over half of the renters out there have no insurance to cover their belongings. Building owners carry insurance to cover structural damage but the belongings inside each unit or home is the responsibility of each tenant.
Many times victims are overwhelmed with the tally of financial devastation that occurs during a threat to their home. Every day items taken for granted can be shocking and the value of possessions needing to be replaced unfortunately and often unattainable without renters insurance helping you to get your life back on track.
Electronics, Furniture, Clothing and Jewelery and Artwork; these are the main items people think about when opting to protect themselves from disaster with insurance. But what about the things people don’t think about. Things like: kitchen utensils, pots and pans, bathroom supplies, kids toys, bedding, curtains and drapes, Christmas decorations, photo albums, glassware, movies and music CDs?
Everything we have is tied into our possessions in order to function daily. Renters insurance can provide peace of mind in knowing that if disaster strike your items will be replaced and getting coverage is easy and costs just pennies compared to the financial ruins a renter can face without insurance.
Renters insurance also provides stability. Often victims cannot return to their homes immediately after a disaster like a flood or fire. Your insurance will most often pay for you to stay somewhere, provide food cost and lodging, living expenses, gas for you to drive your car so you can continue working and so forth.
Having renters protection for your possessions far outweighs the monthly cost which can start as low as $15.00 per month and the self-assurance a renter will feel that not only are their possessions protected but their families will be taken care of as well, easing the burden during such an awful and heartbreaking time.
So if you are a renter, protect yourself and obtain renters insurance to give yourself peace of mind today.