How much is your personal property worth to you? Sure, perhaps you have some things you could live without, but there are definitely things you want protected. It’s in these situations that insurance is so important, it can bring you peace of mind knowing you and your belongings are protected. If you’re unsure of what renter’s insurance is and whether it’s something you should invest in, we invite you to continue reading.
It’s most likely you don’t think about what exactly your insurance covers until you need it. So take this as an opportunity to protect your things and yourself from having to re-invest a lot of money for those things, and learn a little more about why [and how easy it is] to get renter’s insurance.
1) Replacing everything you own is expensive.
“I don’t own a lot of stuff so why would I get renter’s insurance?” Well, let us tell you why. First off, it’s not about how much you have or even the value of your items, it’s about what will it cost you to replace it all? Think about it. Losing all your items, clothes, small appliances, furniture, it adds up and fast. Don’t skimp on a small investment each month thinking you don’t have a lot of stuff. Cause when it comes right down to it, you probably have more than you realize and would be in a sour spot if something happened to it.
2. Your landlord may require it.
At the end of the day, even if you don’t think you need renter’s insurance, your landlord just might require it. Their insurance covers the structure itself and the grounds, but not your belongings. And at the end of the day, there is a growing number of landlords requiring tenants to purchase their own renter’s insurance policies and they’ll expect to see proof. This is for you as much as it is for them but however you wanna shake it, if the tenants cover themselves, some responsibility is shifted away from the landlord, making you a desirable tenant.
3. It offers peace of mind.
We’re all busy, but by contacting us, we can get you set up and insured quickly. Why not give yourself the peace of mind? Contact us at 712-277-2424 to get started.
4) It’s so affordable.
Still not sure about renters insurance? How about this for some fun facts. On average, it costs about $15 a month to cover everything you own. Heck, your morning coffee costs more than that each week. If you still think that’s a lot, think about the cost of replacing everything you own. Most people wouldn’t want to think about spending all their disposable income replacing everything you own. [See first point.] Odds are, that’s you too.
If you are living in a rental or considering a rental, we highly recommend renter’s insurance. It not only grants you peace of mind, it will come in handy if anything were to happen to your belongings. If you have any questions or are ready to set up your plan, give us a call at 712-277-2424 to get your free quote or fill out this form online.
At IBC, we’re more than insurance. We’re here to help you protect the things that matter most.