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Renter’s Insurance: Is it for Me?

If you rent a house, apartment, or condo, protect your belongings and home with renter’s insurance!   If you’re wondering if you should purchase renter’s insurance, take a look around your rented apartment. Your sofa, TV, laptop, books, clothes, and jewelry all add up in value. Now imagine that those items are burnt embers from a house fire. If you’re panicking about losing your items and having to replace all of them yourself, you’ll want to secure your belongings with renter’s insurance! Why Do Renters Need Insurance? More often than not, renters don’t think about insurance. After all, they only rent the apartment, and typically, the responsibility of the property falls to the owner. However, those renters have an apartment full of personal belongings that wouldn’t be covered in the event of damage. Rental properties share all of the same dangers as any other home, including fire, lightning, hailstorms, flooding, and explosions. Additionally, ... Read more

Does My Roommate Need Renter’s Insurance?

Renter’s insurance protects your belongings and living space! From the kitchen to the living room to your favorite sweater, most roommates share everything. Roommates are often the siblings you never asked for (or got), but there’s a mutual likeness when sharing a living space with another human being day in and day out. Whether you watch reruns of The Voice together every night, or stay in your room to avoid awkward small chat, many roommates think that if one of you has renter’s insurance, the coverage extends to the entire apartment and all of the contents. This is a costly misconception. Renter’s insurance protects the property of the people listed on the policy. Unless your roommate is listed as an additional insured on your insurance policy (or is a domestic partner, spouse, or a member of your family), their things will not be covered. Here’s the lowdown on renter’s insurance for roommates: A roommate does ... Read more