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In the past, you were pretty much stuck accepting whatever type of insurance your agent could find for you. Then, around ten years ago, nearly every insurance company started offering their product online. Soon after, people started feeling as though they were insurance experts and handled their polices online themselves. This wasn't a bad thing - in many cases. However, there are downfalls to working directly with the insurance companies.

The Facts About Renters Insurance

You are renting and one day, you are robbed. You’ve lost everything. What are you going to do?

What happens if there is a fire or an accident at your rental property? Who will pay for your damaged or lost belongings?

If you don’t have insurance, you will be responsible for replacing and repairing your property. If you were responsible for the damage and other renters’ property was damaged, you may be liable to them as well.

With a renter's policy, the coverage includes the inner contents of the home, apartment, or room that you are renting. This is coverage for the break-ins, the natural disasters, fires, and other circumstances that are beyond your control. Even though your landlord will have a homeowner’s policy on the place you are living, it does not cover your own personal items as a renter, which is why renter’s insurance is essential.

Your local independent agent is the best resource for this since they can accumulate multiple quotes from the top carriers for you online. Your independent agency will give you the power to compare all the best policy options conveniently at home!