If you are a renter of an apartment, home, townhouse, or other residential location in Wernersville, Reading, Myerstown, Sinking Springs, Wyomissing, Robesonia, PA, and the surrounding areas, then you need to have renters insurance. While some renters understand the importance, many more don’t have it for a variety of reasons. At Stubbs Insurance Agency, our goal is to protect our clients with the right insurance products, and renters insurance is very affordable for what it covers. Yes, your landlord should have their own insurance for the building, but that doesn’t cover your personal belongings. Renters insurance is what covers your personal items, from clothing to furniture, to electronics and more, and many renters don’t think they have enough to insure. The truth is that most renters underestimate just how much they own, as well as the affordability of renters insurance. Contact our experienced team today to learn how to get renters insurance in place so you can rest easy.
Only You Have a Vested Interest in Keeping Your Stuff Safe
There are renters who have the mistaken notion that their landlord is responsible to have insurance on things. While they are required to have insurance on the building, that insurance doesn’t extend to the renter’s personal belongings. And why would a landlord care about your things? The renter has a vested interest in what they own, and because they likely have more value than what the renter believes, replacing things without insurance will cost a lot more than anticipated.
But renters insurance is more than just covering the things that you own, it is also about the liability protection that comes with it as well. If someone ends up getting injured and claims that you are responsible, your renters insurance can help cover legal fees and other items. Your renters insurance can also help to provide you with loss of use coverage for when your main home is temporarily unlivable.
Protection That You Can’t Ignore
Scenarios like someone breaking into your apartment and stealing your laptop and gaming system, or a burst pipe in your rental home that ruins your bedroom furniture and clothing. These are all covered under your renter’s insurance policy, and it provides peace of mind where you don’t need to figure out where to come up with thousands of dollars to replace items or to pay for medical bills for an injured party.
Just like renters should have their own renters insurance policy in Wernersville, Reading, Myerstown, Sinking Springs, Wyomissing, Robesonia, PA, and the surrounding areas, landlords should also have their own landlord insurance policy for the building or structure. Stubbs Insurance Agency is your independent insurance agency that works on behalf of our clients. This means that we will shop the market to find you the right renters insurance policy that meets your needs. Contact us today to review your renters insurance needs.