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Renter's Insurance is a Necessity
by Graham Herten
http://www.fsginsurance.com
Your apartment has everything you need in a home -- it's
your shelter and retrea; a place where you are comfortable
surrounded by the possessions and comforts of your home. You
might feel your investment in it doesn't amount to much as
compared to one in a house. Even so, you should guard
against the unforeseen.
It is erroneous to think that the landlord is responsible
for all the damage that might happen to the apartment,
because the landlord is not responsible for the damage to
the contents in the apartment. The landlord's responsibility
extends up to the structure of the apartment, for which he
has an insurance cover. If there is a fire or some other
natural disaster, you have to bear the loss of your
valuables, whereas the landlord is covered for the building.
This is where the renter's insurance can help you. It will
cover your clothes, your stereo and your television if they
are ruined, and you have to buy new ones. In fact, having
renter's insurance is an absolute necessity, not just a
luxury.
Then the next argument that renters give is that they don't
have enough 'stuff' to warrant renter's insurance. This
just isn't true. Think about all of the things that you
own and what you paid for them. Even if you just add up
the contents of one room, you'll find out that you have a
lot more value in your apartment than you think.
Most renters have about thirty to forty thousand dollars
worth of things that might need to be replaced in the event
of a fire or in a theft. It adds up quickly. If you have
a home business, you may have thousands of dollars worth of
office equipment that would need to be replaced. Not only
would you be losing money from not doing business, but also
from having to re-purchase your computer or printer.
You need to protect your jewelry as well. Engagement rings
and wedding bands and other luxury items like furs are your
investments that should be protected.
Above all, renter's insurance provides peace of mind.
Considering all its benefits renter's insurance isn't very
costly. Indeed, it doesn't cost more than a CD each month
for most renters. With one CD less each month you can buy
foolproof security for your household things and be free of
anxiety.
And combining it with other classes of insurance like auto
or life makes renter's insurance even cheaper. With all the
comfort, cover and security you need, why not sleep well at
night -- no matter where you are.
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