Hope you had a nice weekend, thanks for coming back 😊 We wanted to talk to you about something that often gets mixed up or misunderstood. And that is renters insurance. Since we have been posting claims stories recently on Facebook, now seemed like a good time to visit renters insurance with you. Hopefully, if you are a renter you have it, if you don’t, please keep reading.
We reached out to friends, family and even strangers to see why they don’t carry renters insurance, and after we stepped down from our soap box and ranting of why they need it, we reflected on their feedback. Here are some of the reasons we heard…
- It’s an extra expense they don’t want to think about
- It’s an extra expense they cannot afford right now
- It didn’t even cross their mind
- They don’t have that much stuff anyway
- Their stuff isn’t that nice to begin with
What many people do not know is that your landlord is not responsible for your belongings. You read that correctly, they are not responsible. It is up to you to cover yourself. There’s a fire? Not the landlord’s problem if your new couch is torched. Robbery? Not the landlord’s problem if that iPad from Christmas is stolen. Power outage? Not your landlord’s problem if your food spoils. It’s pretty straight forward.
Those points from above, probably don’t seem so strong now. Extra expenses are just annoying, we get that. What if we told you that your renters policy can usually pay for itself with the discount it applies to your auto policy? You can have coverage for your belongings without having to pay extra. That takes away having to worry about an additional expense. Even more importantly, it takes away the additional expenses of having to buy back everything you own if there is fire in your apartment. Now that extra expense would be annoying.
You may think you don’t have much, but go through your place room by room and make note of what is in there and how much each item costs. We’re talking from the couch, and the poster on the wall, to the measuring spoon in the drawer. Little by little those items add up, and without proper coverage you won’t have any help rebuilding yourself. Remember, it’s up to you.
We know what you need and we know how to help. If you are a renter call us today, let us help take the guess work out of it and give you the protection you deserve. 716-204-8728. Hope to talk soon, thanks for reading!
Graves Family Agencies, Inc. 