Many people consider renter’s insurance optional. Actually it is just as important as car insurance and homeowner’s insurance. Its purpose is to protect you in case of an emergency, whether fire or theft, and also to protect you if someone is injured at your place of residence.
Here is a list of the four most common myths about renter’s insurance:
Myth # 1: I can’t afford it
Chances are you can get renter’s insurance for as little as $10 – $20 per month. As you raise the deductible on your insurance, the rates will generally decrease.
Myth # 2: My landlord has coverage
Typically, a landlord’s insurance covers only covers structural damage to the building itself , and will never cover your belongings. In some cases, if the tenant causes the damage, then the tenant could be liable for the damage and will have to pay for the repairs. If the buildings is burnt to the ground, the landlord’s coverage will not replace your belongings.
Myth # 3: I’m in a safe location with great security
Renters insurance covers much more than loss from theft. Chances are if your suitcase is stolen while you are tracveling, you will likely have replacement coverage. Renter’s insurance also has liability coverage in case someone gets injured at your place.
Myth # 4: I don’t really own anything worth much
It is surprising how the value of your belongings adds up quickly. Books, CD’s, electronics and clothing are expensive to replace.
If you’re renting for the first time, or have been renting for years without insurance, you should seriously consider purchasing a renter’s insurance policy. Call Insurance Doctor and we can find a policy that will cover your needs.
Insurance Doctor is one of the nation’s largest insurance agencies. Our goal is to find you the best policy for your specific needs, whatever that may be.
At Insurance Doctor we offer:
Automobile Insurance
Motorcycle Insurance
Homeowner’s Insurance
Renter’s Insurance
In order to make the process easy for you, we have 16 offices conveniently located in both Virginia and North Carolina. To get Virginia car insurance quotes and and information about our other insurance options, you can fill out our online form or call us directly at (804) 767-3792. To find a North Carolina location near you, call us directly at 919-827-1628 or fill out our online form.
While this blog serves the purpose of gathering information about Insurance Doctor, the truth of the matter is this really is all about YOU. How we can help YOU and provide YOU with the insurance coverage that YOU need.
Here are some examples of how we focus on YOU:
YOU want to save money – We work hard to offer the best rates for our clients.
As a safe driver, YOU want savings – We will show you all the possible discounts that you qualify for.
YOU want payment flexibility – We understand that. Whether you want to make small monthly payments by direct bill or EFT, we can arrange that. You can choose between cash or credit card. It is up to you.
You want immediate attention when YOU need it – Not to worry; we offer 24 hour claim service so that we are there when you need us the most. You will get to talk to your own agent every time you call.
Call Insurance Doctor and talk to us about what YOU need in car insurance – we are listening.