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April 5, 2013

Protect What You Own

Renters Insurance is surprisingly affordable.

Take a moment to think about everything you own – from clothes, jewelry and household items to a smart-phone, laptop or television. It may not seem like much, but when you do the math, the dollar amounts add up quickly. If you had to replace some or all of what you won, would you be able to afford it? In many cases, people would answer no. The good news is, for those who rent a home, apartment or condo, renters’ coverage is not only very affordable, but can cover all of your possessions in case a loss occurs. Cloverleaf Insurance 18005305822 offers Renters Insurance often less than $20 per month.

Renters insurance offers many of the same protections as homeowners insurance, but often at a fraction of the cost. Anyone who rents, whether living in an apartment or a house, is eligible for a renters’ insurance policy. Full-time students who rent may have some belongings covered by their parents’ homeowners’ policy, so be sure to check what the policy covers.

It’s also a good idea to keep a home inventory of your possessions – if a loss happens, you’ll have a record of everything you own. Given how much money we spend on our electronics, clothes and other belongings, it’s nice to know you have protection in the event of a loss. It won’t prevent something from happening, but it can help make the aftermath easier to deal with.

Renters Insurance Includes:

-Personal property coverage to assist you in replacing your possessions due to loss or damage from fire, theft, vandalism and other risks.

-Liability protection for covered claims made against you or a family member living with you for property damage or bodily injury. This liability protection follows you wherever you go, worldwide, and includes the cost of legal representation.

-Loss of use coverage for extra expenses you may have due to a covered loss, such as staying in a hotel when you are unable to occupy your apartment.

-Coverage when you’re away from home for credit card loss and for possessions that are stolen or damaged while you’re traveling.

-Credit card loss coverage which will reimburse you up to the policy limit for unauthorized use of your credit cards.

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