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Home » Renters Insurance Myths
March 31, 2023
Agency

Renters Insurance Myths

If you’re a renter, one of the most important things you need to have is adequate renters insurance. Yes, you need specific insurance to help protect your personal belongings and yourself in case of an incident at your rental property (e.g., apartment or condo). Unfortunately, there are many misconceptions surrounding renters insurance. Let’s dispel some of those myths below.  
Renter getting keys
Myth: My landlord’s insurance will cover the damages to my belongings. 

Reality: Typically, a landlord’s insurance policy only covers the physical structure—not anything that’s within your walls or another tenant’s.  

Myth: I don’t have enough valuable personal items to warrant renters insurance.  

Reality: Items add up fast! Your electronics, appliances and clothes are all large expenses that can be protected under your policy. 

Myth: My personal belongings are the only things covered under renters insurance. 

Reality: Renters insurance can also cover damage to someone else’s property within your home. And, depending on the limits of your personal liability coverage, it can help cover some or all of the medical expenses if someone happens to get injured on your property. 

Myth: I can’t afford renters insurance. 

Reality: Renters insurance can be incredibly affordable. Although pricing can always vary, some policies can cost less than $25 each month. When it comes to protecting your belongings and yourself, can you put a price on that? 

Don’t Wait to Secure Coverage 

Remember, renters insurance exists to not only protect the belongings in your home, but so much more. We spend a lot of time and energy filling our living spaces with items that make it feel like home—but it only takes one unexpected event for damages to occur.  

Renters insurance can give you peace of mind in knowing that you and all of your belongings are properly covered. Be sure to secure adequate renters insurance as soon as you move into your new space. 

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