If you are currently renting your home or apartment, it’s time to learn more about renters insurance! 


Here’s the deal.  Homeowners insurance covers the house itself and the items inside.  But if you don’t own the home, you don’t need insurance to cover it.  But you do need coverage for your personal belongings. Did you know that the landlord has insurance on the building but does not have coverage for your own personal belongings?


It might not seem like a lot, but all those little items add up!  When you think about the cost to replace your furniture, dishes, sheets, clothes, books, and everything else filling up your home, it’s probably more than you thought. Wear suits and dress shoes to work? It starts to add up even quicker.  Not to mention, renters insurance has loss of use coverage, which will pay for you to stay someplace else in the event of a claim and you cannot stay in your apartment. This is way better than asking your Aunt Mable to shack up with her on your couch with your two kids for who knows how long.


Renters insurance is an affordable way to protect what you’ve worked hard to acquire.  And it’s probably a lot cheaper than you’d expect!  In fact, many times the discount you receive on your auto insurance for having multiple policies can almost pay for the entire renters policy! For less than $1 a day, you can purchase a renters policy that will cover all of your belongings, pay for you to stay someplace else when your neighbor leaves their stove on and the building catches fire, and liability coverage to cover you when the cable guy trips and falls in your apartment.


Renters insurance also includes important liability coverage called property liability.  This means, if you accidentally cause a fire that burns down the property, your insurance pays the landlord to replace it (protecting you from a damaging lawsuit).  And trust me, I have seen those lawsuit papers come in the mail to clients, and not only is it usually for large sums of money, its stressful to figure out how to pay for the $25,000 in building damage your latest cooking adventure mishap caused, if you don't have the proper coverage in place.


So if you’re renting in New Windsor, Long Island or anywhere in New York, it’s time to look at protecting your valuables.  Give us a call at 888-565-2212 or visit us online at www.bryanagency.com/contact today and ask for a no obligation quote on renters insurance.  And don’t forget to find out how much you’ll save on your Long Island auto insurance too! 



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