Kruse: Trusted Renters Insurance
Why Do I Need Renters Insurance?
All too often, life is defined by the unexpected—especially if you live on rental property. What are your neighbors doing upstairs? What was that loud noise from the next-door apartment? Unfortunately, you can’t control or predict what neighbors do. Accidental fires or other kinds of accidents and disasters strike can strike anyone, anytime.
That’s why renters insurance is critical to protecting your assets. Your landlord probably maintains some type of tenant insurance, but this coverage is bare-bones and will reimburse you for almost nothing—if that. Without doubt, landlord insurance provides zero reimbursement for your personal stuff.
Why Renters Insurance? Your Stuff Might Be Worth More Than You Think
Because you’re a renter and not a homeowner, you might believe you don’t need renters insurance; you simply don’t have sufficient assets—or so you believe. For most people, this simply isn’t true. Unfortunately, many renters simply don’t realize how much they stand to lose.
For example, the average tenant owns more than $35,000 worth of personal possessions, most of them kept in the rental unit. And $35,000 is an average. Many tenants own significantly more, others own substantially less. And it’s a given that landlord insurance won’t cover any of your personal possessions.
If unexpected disaster destroyed all your stuff, do you have the thousands of dollars to replace all your belongings?
What Does It Cover?
A good renters insurance policy will protect most if not all of your valuables. Proper renters coverage will reimburse you for losses incurred from unexpected disaster. Those monies make it easier to recover and get back to life-as-normal.
A renters insurance policy protects you from fires, wind and hailstorms, lightning, theft, and other unanticipated mishaps, including aircraft and motor-vehicle accidents—even riots.
What is Excluded from Renters Insurance?
Like other insurance policy types, renters insurance also excludes coverage for specific event types:
- Earthquakes and mudslides
- Natural deterioration and neglect
- Bird, rodent, insect, and domesticated animal damage
Contact Kruse Insurance’s for a Free Renters Insurance Quote
Shield your assets against the unforeseen with renters insurance from Kruse Insurance. As an independent Idaho insurance agency, we offer free, comparative quotes from multiple carriers, meaning you’ll get the best possible rates! No more shopping around; let us be your last-stop shop for insurance comparison shopping!
If you’re ready to see how much Kruse can save you on renters insurance, call today at 208-232-6277! For a free online quote, fill out the quote form on this page!