The True Value of Renter’s Insurance

Rental insurance through the Premere General Agency gives renters confidence that their belongings are completely covered in the event of theft or disaster. But, it also provides value far beyond monetary compensation.

As with any other coverage, such as life, home or auto, rental insurance is something a renter truly cannot afford to be without. However, it is often overlooked, as many renters don’t consider their belongings to be valuable, think their landlords are responsible for property loss or aren’t even aware that such coverage exists.

How quickly loss can occur
A very realistic example of the true value of renter’s insurance might involve someone who moves to a new city. She brings what little furniture she has and her other belongings with her and moves into her first apartment. Within the first month of her moving in, her apartment is broken into and everything is stolen while she is away.

Without renter’s insurance, she would be forced to replace her items with her own money. That’s tough to do for most people. She would be forced to stay in her empty apartment with no friends or family nearby to assist her. In addition, she might have to resort to buying used furniture or merchandise that is of lesser quality than her original possessions.

However, with rental insurance, all her belongings would be completely covered at their full replacement value. This means she would be able to replace her things with brand-new items. The peace of mind that comes with renter’s insurance in a situation like this far outweighs the cost of coverage, which for most people would be only a few dollars a month.

Coverage beyond your home
One additional bonus of rental insurance is that it covers most personal property in the renter’s car. This is vital considering that theft from an automobile occurs at almost twice the rate for renters than for those who own their home. An actual auto insurance policy will cover only what is attached to the vehicle, while rental insurance will cover items such as a laptop or CDs.

Don’t unnecessarily risk property loss
Procrastination could prove costly when personal property is at stake. Disaster or theft can occur at any time, yet so many renters put off this crucial step. The Premere Agency makes it easy to quickly compare policies and purchase coverage.

Premere offers a free comparison quote tool to help renters weigh their options for rental insurance. In addition, Premere’s staff can assist in finding the most cost-effective and comprehensive coverage available. For more information, call (918) 447-0960.

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