Moving In? Get Renters Insurance To Protect Your Stuff

You packed it, you hauled it, you unpacked it. Now that you’ve got all your stuff in your new apartment, it’s time for you to protect it from disaster.

For a few bucks a month, you can cover your laptop, your stereo, your clothes, furniture, and everything else in your apartment.

Renters insurance is like a roommate that comes through in the clutch and pays the bills when catastrophe strikes.

Before you send out invitations to your big BYOB housewarming bash, check out all the things that renters insurance can cover.

Party catastrophes

It’s all fun and games until someone knocks over the halogen lamp and starts a fire. Or invites a guest that swipes your cell phone. Or has a few too many and falls through the screen door and breaks a wrist. You’ll wake up with a hangover and a stack of bills.

Renters insurance can protect you against fire, theft, and clumsy party guests. It’s true, your policy can cover you in case your injured friend comes to you with medical bills.

Preserving your friendship and saving your wallet. Nice!

Lame landlords

There’s no insurance policy that can protect your from an absentee or not-so-attentive landlord. But if a pipe bursts or your windows blow out from a storm, damage to your stuff is covered. And if your place becomes uninhabitable, your policy can pay for temporary accommodations until you can move back in.

That’s way better than couch surfing or moving back in with Mom and Dad.

Road trips gone bad

Did you know your policy can actually protect you while you’re out of the house? It’s true. If you’re traveling by car, by train or by plane and lose your phone or other prized possession to pickpockets (or just bad luck), you won’t have to pay to replace it yourself.

Break-ins and burglary

No one likes to think about it but burglaries happen. It can be unnerving to think about a stranger having been in your home and then downright sickening to think about the cost of replacing your valuables.

While no one can replace memories or restore your faith in mankind, you can feel a little better that you won’t have to open your wallet to pay for what someone stole.

Bad dogs

Dogs are the best. Until they bite someone. Your policy can help protect you in case your naughty pup nips someone in your home. It can pay for your injured houseguest’s medical bills and cover you in case of legal liability. Not all dogs are covered so make sure you read your policy carefully.

Let’s review: Renter’s insurance typically can cover:

• Personal property
• Personal liability & medical bills
• Temporary living expenses… in the event of theft, fire, lightning, windstorm, vandalism, freezing, damage from aircraft or vehicles, riots, etc.
  

In short: Your stuff is replaceable. Your sanity isn’t.

Whew.