Call Us Call Us Today! | (636) 947-3000
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

Read More
Church Insurance CHURCH

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Nonprofit Insurance NONPROFIT

Browse a variety of insurance options in order to find the right one for you.

Read More
Motorcycle Insurance MOTORCYCLE

Learn about different coverage options that fit your specific needs.

Read More
Recreational Insurance RECREATIONAL

Finding insurance doesn't have to be difficult. We do the work for you.

Read More

To answer that question, let's ask another questions.   "If you owned or were buying your home, would you carry Homeowners insurance?"  Why or why not?  I dare say that most of us would answer that questions with an emphatic, "Yes!" 

So, what is the difference?"  Most would say, "The home if a much larger investment and I could not recover without insurance.  Besides my mortgagee says I have to insure the home."

Homeowners insurance does, indeed, provide coverage for the building, but also for the contents.  It seems we don't place as much value on our personal property as we do the building that contains them.  Perhaps we had best define "contents."  Anything we can carry out of the house is contents.  That would include appliances, table, chairs, beds, dressers, wall hangings, etc.  However, do not forget our clothing, personal items, tools, cameras, picnic items, dishes, silverware, lawn and yard care items and a host of other seemingly inconsequential items.  Many of those pieces have been purchased over time with little impact on our budget.  Now, ask yourself, "What it would cost to purchase all of those things brand new?"  When evaluating your belonging from that perspective it is easy to see just how costly the project would be. 

Hence, Renters Insurance, is am much of a necessity as Homeowners Insurance. Whether the loss if from theft, fire, wind or vandalism, the cost of replacing your personal property can be devastating.  Now add in the cost of renting an another place to live with the deposits and other up-front costs.  Then there is the possible cost of storage and/or clean up of those pieces not lost or damaged.

To this point we have not even addressed the need for the general liability coverage included in both Homeowners and Renters Insurance.

Now, ask yourself that questions again,  "Do I need Renter's Insurance?" 

 

 

 

Posted 5:14 PM

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2017
  • 2013


View Mobile Version
Facebook
LinkedIn
Twitter
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
© Copyright. All rights reserved.
Powered by Insurance Website Builder