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Hi, my name is Bryan Stevens. I am a former insurance agent and financial consultant and I want to show you why you need renters insurance and why you should know about it. If you do not have renters insurance, you risk everything you own. Here are the truths behind common renters’ insurance myths. As a renter, I am covered by my landlord’s policy. The truth is, your landlord probably does have home insurance covering the property you are in but it only covers the building itself. It does not cover your possessions if they are stolen or if they are damaged. Provide you any money for living expenses if your home was damaged and you have to live somewhere else during repairs or cover you if someone is injured while visiting you and sues you. You need to get renters insurance to provide these coverage.
No, I do not have enough possessions to buy a renter’s insurance. You may not think you have enough personal possessions to buy renters insurance but if you take an inventory, you will be surprised in how much you actually own. Walk from room to room in your house and write down everything you own including furniture and appliances, sports equipment, clothing, kitchen items, tools, jewelry, collections and electronic equipment including television sets, computers, cameras, phones and stereos. Now, think about how much it would cost to replace all these items.
No, I cannot afford renters insurance. Renters insurance cost less than you think. The average cost is $200.00 a year that is $16.00 a month for $30,000.00 worth of property coverage and $100.00 worth of liability coverage. The best way to get a cheaper renters insurance is the comparison shop. And the easiest way to do that is to get quotes from an insurance comparison website. It is quick, it is easy and it is free.
Visit LowerRateQuotes.com to get renters insurance quotes from top rated companies and see how much you can save. You can get more insurance tips in their article section and get answers to your questions. Plus, get advice on how to lower your premium from an insurance expert by using their online chat service. To visit this site, just enter LowerRateQuotes.com in your internet browser.
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