It’s easy to have a mindset that you don’t need insurance. You might say something like, “I’m a careful driver, why do I need it?” But other drivers around you aren’t quite as careful. The same goes for renter's insurance. While you might be careful to maintain a safe home, you can never account for nature, neighbors, or anything else that might cause injury or damage to your apartment or rental house. If you’re not certain you need a plan, keep reading for six reasons why you need a Gleetopia Insurance renter's insurance policy.
Your landlord might require it
It’s common for a landlord to take care of some aspects that come with living in your apartment or rental home. Things like utilities, trash, and maintenance are typically covered. With that, your landlord doesn’t want to be on the hook should something happen to your home. Nor do they want to be responsible for any potential fraud that might occur with tenants. Landlords will often put a clause in your lease that says you have your own renter's insurance policy or will get one by a specified date in order to finalize your lease agreement.
If you’ve ever been injured on the job, then you know that insurance policies like the Worker’s Compensation Fund will step in to take care of you. Renter's insurance works the same way. You’re covered if you have company over and somebody falls down the stairs or a bathtub overflows causing water damage to your unit and your neighbor’s. Your renter's insurance will step in to help take care of any bills that are associated with the fall or repairs from water damage.
You have a pet
Dogs and cats are wonderful additions to families. Although, even the most mild-mannered pets can bite or scratch from time to time, which can lead to injuries and infections that require significant medical attention. This falls under your liability coverage and the insurance company will step in to cover the medical bills so you don’t have to.
Coverage during emergencies
Between unpredictable weather and unpredictable neighbors, crazy things can happen to our homes at any time. For instance, let’s say that your neighbor’s dog knocked over a candle and your building went up in flames. Your renter's insurance would not only replace your belongings that were destroyed in the fire, but they would help take care of food and lodging until you find a new place to live.
Covers all your belongings
As previously mentioned, your possessions are covered with renter's insurance. The best part is, it doesn’t have to be in your home to be covered. If you have something like a TV stolen from your home, your phone out of your car while you’re at work, or even your computer on vacation, you can submit a claim to your insurance company because it’s covered.
For many people, renter's insurance just feels like another bill to add to the growing list of monthly expenses. Fortunately, it’s really not expensive at all. While you might be worried that it will be up around the cost of your car insurance, which could be in the hundreds, the average cost of renter's insurance is a touch over $27 a month. Can an extra $27 a month be difficult to come up with at times? Of course, but it’s much easier to pay that much now than the bills that will come due should something go wrong in your apartment or rental home.
Contact Gleetopia Insurance
If you don’t have one already, get a Gleetopia Insurance renter's insurance policy today. You’ll be glad you have it when you need it and we can help you get a plan that is cheap enough that you will hardly notice the financial effect each month. Give us a call at 650-898-2838 or send us a message to schedule an appointment with our Gleetopia Insurance team. We’re looking forward to working with you.