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Renters Insurance – It’s surprising inexpensive and why you should have it.


Did you ever wonder what was covered and why should you exchange you’re hard earned income for an insurance policy that wasn’t being mandated?

Renters insurance is a lot like auto insurance: you pick your level of protection and pay the associated premium and then pay your chosen deductible each time you use it.


Here are a few real-life scenarios and why should have renters insurance.


Scenario #1: You have a few friends over for Sunday brunch and one of them trips on the porch twisting their ankle. It’s Sunday so they end up in the emergency room, despite the fact that they have health insurance they’re still out of pocket $926.


Would your renters insurance pay?

Yes! Renters insurance will help pay for medical bills if someone gets hurt in your apartment or home. And, in an extreme case—where the injuries are extensive, and the person files a lawsuit—your renterspolicy will help cover legal fees and/or the cost of judgment up to your limits of liability.


Scenario #2: Running a few errands, you leave your bag (with cell phone) sitting on the passenger seat. When you return, your window is smashed, and your bag is gone.

Would your renters insurance pay?

Yes! Renter insurance would help pay the cost of replacing your personal belongings. And, the broken window would be covered by your comprehensive protection on your auto insurance policy.


Scenario #3:You are in the middle of cooking a dish on the stove top and run to use the restroom. The dish towel ends up too close to the flame catching it on fire. You were away less than a minute but the fire ends damaging the walls and cabinets.


Would your renters insurance pay?

Yes! Renter insurance would help pay for the replacement of your property and the damage done to your landlords property too.


Did you know that renters insurance offers broad protection with premiums starting at around $185 a year? That’s a lot of value and a great way to protect you from unexpected expenses.


Call today (805) 496-9646 or request a quote online from your friends at Harvest Insurance Agency.


Thanks so much – Make it a great day!


Disclaimer – all scenarios are subject to your coverage limits, policy language, and deductible. 
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