If you are currently renting and relying on your landlord to protect your personal possessions and liability, you are making a mistake that could cost you.
A landlord is required to purchase landlord’s insurance – a policy that protects THEIR structure, THEIR possessions and THEIR liabilities. As a renter, you have your own set of responsibilities to handle. Fortunately, our agents at The Horton Group are here to help you reach peace of mind. Are you ready to learn more?
What am I responsible for?
As a renter, you are responsible to protect your personal belongings, as well as your liability. Disaster strikes when you least expect it – whether you are faced with the consequences of a fire or an individual is injured on your property. Do not think for a second that your landlord will be there to back you up. Who will? Our experienced agents at The Horton Group!
Is renters insurance worth it?
You may be wondering if this type of coverage is worth purchasing. After all, you only live in a small apartment – there are not many possessions lying around. This is where many go wrong! Think about how much it would cost you to replace your laptop computer, furniture, books, television and smart phone alone. On average, a renter may own at LEAST $20,000 worth of property inside their apartment – large or small. Could you imagine paying these replacement costs out of pocket? Chances are, this is not possible. For a low premium, you will have the coverage you need to comfortably replace and repair damages inside your apartment.
Another scenario to consider is an injury on your property. If a guest is injured inside your apartment, you could be held liable and responsible to pay for medical costs. If this person decides to sue you, renters insurance will also be there to back you up. Medical attention and lawsuits can run anywhere from hundreds to thousands of dollars. Without coverage, such a scenario could end in financial devastation.
Renters Insurance Is Inexpensive
One of best perks of renters insurance: It is inexpensive for a great deal of coverage. Policies can start at less than $20 a month! Also, there are numerous discounts available – simply ask about them.
Protect the Place You Call Home with The Horton Group
The Horton Group offers many options for renters. If you are interested in learning more, do not hesitate to reach out to us at your earliest convenience. Please fill out the quick free quote form on this page or give us a call at (800) 981-4700. Together, we can make sure you are covered from top to bottom. Let’s get started, today!