Why Renters Insurance is Important?

The often overlooked renters insurance actually is a necessity despite what most people think. You may think that it is not important because you don't own the house, or apartment or unit but you should realize that the items inside are yoursunless you rent them also. You know that natural disasters like floor and fire won't be picky to whatever they want to destroy, don't you?The flood won't just stop at the front door or the gate. If the water is high, then your belongings will also get wet and ruined. And the fire won't stop just burning the wall and the floor, right? All your sofa, bed, clothes, or important possessions like documents or money will also got destroyed. Also, there are many other kind of unforeseen accident that can happen.

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You may think that you can just buy the belongings again later after the disaster stop. But, imagine you have to pay for the whole items in the house at one time! Lamp, bed, sheets, clothes, oven, toaster, coffee maker, jewelry, money and documents. While you can easily buy those things again, buying all at once would be a pain. You will get heart attack when you see the amount.Renters insurance are usually has two types which are replacement cost and cash value. Replacement cost will cover the items and in case the items we're stolen or ruined by fire or flood, the insurance company will get your items at current market value. While cash value policy will give money according to the depreciated amount of your items.

Renters insurance sure is always thought as protecting solely the property inside the house that are yours. But, actually, it is beyond that. When your place got damaged by the fire or flood, where will you stay while your place being fixed? For some people, living with friends or family is not good enough, and it is also a burden to them. Renters insurance will give out funding that will allow you to stay at hotel until your place is ready to lived in again. There are many more benefit of having renters insurance and you can see them in Renters Insurance.net. So, what about the premium? The price is vary depends on the insurance company and the policy itself. The average is approximately $15 but there are insurance policy that will demand you $40 per month or $10. Again, it is depend on the policy and the insurance company that you choose.

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Posted in Real Estate Post Date 12/11/2014







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