Do You Need Renters Insurance?

Renters Insurance Livingston Manor NY

Your Guide To Getting The Protection You Deserve

As a renter, you enjoy the freedom of not having to worry about maintenance and repairs around your rental. When something breaks, you simply need to call your landlord. Since your building is maintained by your landlord and protected by his or her insurance, why would you need to get renters insurance? Here are a few reasons to consider this kind of coverage.

  • Preserving Your Property: Did you know that even though your landlord’s policy will pay to rebuild your building after a fire, that policy offers no protection for your personal possessions? What would you do if you needed to replace all of your clothing, technology, dishes, décor, etc? Do not be caught on the hook for rebuilding your life; renters insurance will pay to replace your property lost in a covered incident.
  • Protection From People: A renters insurance policy travels with you, which means if your laptop is swiped at a coffee shop your policy can kick in to replace it. Even if your bike is stolen while chained up outside your rental, your renters insurance can save the day with reimbursement.
  • Padding Your Pocketbook: Perhaps the best news of all about renters insurance is its affordability. Skipping your latte just a few days each month can pay for your policy, as they usually cost about $15 per month. For the peace of mind this policy can provide, it is well worth setting aside this small amount of money for the coverage you deserve.

Whether you are a first-time renter or have been insured for years in your rental and are shopping for better coverage, you deserve to work with an agent who will ensure you get the right policy for you. Contact The Misner Agency for your insurance needs. We operate in Bloomingburg, Livingston Manor, Westtown, and Woodbourne, New York. Our team of experts is here to help you get the right renters insurance. Call us today!

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Our offices will close at 3 p.m. Wednesday, November 22, and will be closed Thursday and Friday for the Thanksgiving holiday.