Renters Insurance - Why It's So Important

Posted by Deb May on Apr 25, 2017 11:37:00 AM

Apt fire Athol.jpg“We’ve lost everything! I don’t know what to do or where we’ll live.”  Our hearts go out to the victims of recent apartment fires in our area.  More than 50 people were displaced due to multi-family house fires in Athol, Fitchburg, Brockton and Taunton in the past month.   All the fires appear to have been started accidently such as by an electrical appliance in one of the apartments.  Even when the fire was put out before it spread to other units in the building, those other units were severely damaged by smoke and water.

This is why renters insuranceis so important. Your landlord’s insurance will cover the building, but not your contents, and up to $750 for tenant relocation for each rental unit damaged by fire.  For an average cost of $150 a year, you can purchase a renters insurance policy which will provide $20,000 in contents coverage.  It will also provide for additional living expenses (loss of use) that will pay for hotels or increased food cost because you are unable to cook at home.    Certain personal belongings such as jewelry, collectibles, or computer equipment may have limited coverage as they do with homeowners insurance.  You may want to talk to your agent about scheduling some of your personal property. 

If you rent, we urge you to talk to an agent about renters insurance.  No one should have to worry about a place to live or struggle to start over

Topics: renters insurance

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