Apartment Renters Insurance


Most times landlord’s insurance do not cover for the properties in the apartments but just the building itself. This means your precious items in your apartment such as your television, guitar, computers, fridge and other valuables are not covered, so they get lost, damaged or even stolen you will not be compensated for them. According to statistics, over 40 million renters have no insurance package for the items in them, so if anything bad happens to such apartments, such items are lost forever and will not be replaced. The good news is that such a situation can be avoided for a cost less than that of your monthly pizza every night. So what are you waiting for, hurry up now and insure your belongings in order to avoid financial consequences. Below are more reasons why renter’s insurance is necessary.

1. Your landlord’s policy does not cover your personal property. Most times tenant assume that the buildings insurance covers their property in the event of flood, fire, power outage that destroys properties or burglary. They only find out the landlord’s insurance only covers the building when such disasters mentioned earlier strikes. This is where renter’s insurance comes into play, having a renter’s insurance protects you against property loss when disasters take place by providing you with the cash to replace such properties. The only way a landlord will pay for a tenant’s property loss is when the disasters leading to such loss is caused by him. You can check your lease for a clause that discusses the personal property. So having a renter’s insurance policy saves you the stress of battling with your landlord over damaged properties but gives you a free pathway to recovering damaged ones when disasters strike.

2. You need liability protection.

As a tenant, you are completing responsible for the accidents in your apartment even when it happens to your guest or neighbors. For example, when an injury happens to an individual in your apartment, the person may seek compensation from you. Also if your pet may be your dog bites anyone in your apartment you may get a lawsuit for that. This rule applies to all household accidents, such as overflowing tubs that send water flowing to a neighbor’s personal belonging and other mishaps. Renters insurance provides amazing protection against such accidents. Having a renter’s insurance is a good way to save you for paying for damages cost your pets, or accidents in your neighbor’s apartment that is cost by you. These policies do not just replace damaged items but gives you rest of mind and make you feel relax when you are out of your apartment.


Renters insurance are budget-friendly and inexpensive thus premiums price does differ, the policies cost is very low making it fit a tight budget. As a way if encouraging renter’s insurance, such policies are made based on the number of your personal possessions and the type of risks you may face. For example, if you are not paying for flood insurance, the amount paid you will be less than those paying for flood insurance. Again to encourage renter’s insurance, people are advised go for higher deductibles which leads to a lower premium fee. This strategy might seem nice, and people often go for it, but you should have in mind that in an event of a claim you will be made to pay the deductibles. Take an example; if you experience a loss of $5000 and only have $500 deductible, you will be forced to pay that $500 out of your pocket. It is then advisable to go for a higher premium if it will be difficult to pay such huge amount after a claim has been made. When you consider the amount paid for renter’s insurance and the services it provides, you will not take a second thought in choosing renter’s insurance. This is because the gain renter’s insurance provides is greater than the amount being paid.


When an accidents strike and all your properties are damaged, renter’s insurance plays a big role in helping you recovered from such a loss. Not having a renter’s insurance may make you replace such items yourself, this might not seem to be a big deal until when you are buying those stuff lost are again. It will actually cost more, but having renter’s insurance will save you a lot of money. Even if you have an old model TV or a second-hand fridge, renter’s insurance will still cover for such loss, replacing them with the new brand. This is one of the most amazing reasons why people purchase renter’s insurance. Another important thing you must do is keeping the documents of all your properties in the apartment. This helps you to make a bold claim to your insurance company, often people forget to do this, and they may suffer a loss after battling with the insurance company. It therefore advisable to keep records of properties in your apartment after having them insured, this may lead to a swift replacement of damaged properties.


Some renter’s insurance company may pay you the actual cash after a claim has been made and agreed upon. This means that the insurance company will the total amount your properties worth at the time it was damaged, stolen or lost. Properties value may reduce over a period of time; this will then leave you at a loss when replacing your properties with the new brand. In contrast, replacement value or replacement cost policies pay you the actual amount it will cost to replaced damaged properties at the current price. This is another awesome reason you should go with renter’s insurance anytime because the benefits it provides is far better than any other option you can find. Landlords around the globe often advise tenants to have renter’s insurance policy; this shows that it can be trusted to help you out when disasters strike.

A Apartment Locator at nextapartmentsearch.com will help you find your next Houston Apartments and also give you advice on Renters Insurance.

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