3 Reasons to Have Renters Insurance

Are you a renter in Pelham? If so, keep in mind that you have a big financial investment in all of your possessions. If you were forced to pay to replace what you have, it would probably cost you tens of thousands of dollars, or even more.

There are three major reasons you want to have renters insurance:

You can replace what you lost.

    You may think your landlord’s insurance covers your possessions in the event of some incident that damages your apartment, condo or house, but unfortunately, that isn’t the case. If a rented apartment or house is involved in a fire, damaged in a storm, flooded or you are a victim of a break-in, it’ll be your responsibility to come up with the money to replace what you have lost. Think about the cost of what you have in your home: computers, digital devices, TV, clothing, kitchen goods, beds and the rest. Add it up and the total value may surprise you. With renters insurance, you can replace what you lost. If your rented home is so damaged that it’s no longer habitable, you will get access to the needed funds to cover your temporary living expenses.

It covers what other insurances don’t.

    Your car insurance will pay for repairs to your vehicle if you are involved in an accident, but if your personal possessions are stolen from your car, you are out of luck. Most auto insurance policies don’t cover the possessions in your vehicle, and renters insurance fills that gap. Possessions in your vehicle such as a laptop, clothing or phone or any other pricey item can set you back if you have to replace them. This is the type of coverage that can insure any personal items taken from or destroyed in your vehicle.

It costs only a few pennies a day.

    Renters insurance is one of the cheapest types of insurance you can buy. Our agency will work with you to get a better deal if you bundle renters insurance with any other policies (life or car insurance) you have. It’s worth looking into renters insurance if you don’t yet have it.

Make sure you and your family are covered if you rent a home. We can’t predict when a huge storm will come through the area, or when a fire or flood might hit unexpectedly. Protect everything you own and have peace of mind knowing that you won’t be dealing with the cost of replacing all of your personal possessions.

Our insurance agents can help you find the best price and coverage for renters insurance. We know cost is always an important issue, and we will search out the most reasonably-priced policy for you. If you already have insurance and want to find out if there is a better policy on the market, or find out if you are eligible for a discount, we are happy to review what you have and show you what is currently available

Call us and speak with one of our friendly agents from DSD Insurance in Pelham, Alabama. As we are local, we are very easy to connect with, and we can meet with you off work hours if that is more convenient. Talk to us!