Whether you own or rent, you are responsible for your own personal property. Many people - especially apartment renters, are unprepared for theft, damage or a property law suit. Not having renter's insurance to cover these unexpected events can result in financial trauma.

Renter's insurance is an insurance policy to protect you financially from the loss of your household possessions by damage or theft and for accidents to visitors to your home.

Why Get Renter's Insurance?

Theft
Studies show that more burglaries happen in apartment buildings than other types of housing.

According to the National Crime Prevention Council, apartment buildings are 85 percent more likely to be victimized by burglaries than other types of housing. While having insurance is a requirement for home owners, only 43% of renters have a renters insurance policy, industry statistics show.

A renters insurance policy (also known as a tenant's insurance policy) provides protection for your personal property, such as jewelry, furniture or electronic equipment, in case of theft.

Property Damage
What if your possessions were damaged due to fire, lightning, windstorms, smoke, water, hurricanes, or tornadoes? Natural disasters are usually unexpected. Think of the thousands of hurricane Katrina victims who were not reimbursed for their losses.

Renters Insurance covers you in the event of damage to your possessions. Most things can easily be replaced. And it sure makes it a lot easier when your insurance provider hands you a check to re-coup your losses.

Liability Protection
Mistakes happen.You break the apartment's diving board. Your bathtub over-flows (ruining the person's ceiling on the floor below you). Someone falls off your couch, breaks their leg and then sues you for it.

You may find yourself held liable for an accident -whether you are responsible for it or not. In today's litigious society many people are all too happy to sue you. With renters insurance, the insurance company would defend you in court and pay any claims that came out of it.

Renters Insurance Is Cheap!
Renters Insurance is very cheap. For all the protection that if offers, it doesn't make sense not to have it. Contact on of our insurance agents today and get a policy set up quickly and at little cost.

The Grogan Agency has been selling renters insurance in the Trussville and Birmingham area for years. Our agents can help you identify special riders or additional policies that can maximize your home protection.

Give us a call for a renters insurance policy quote today!

For more information or to get a quote, please contact us toll free at (877) 694-4000 or by using our request quote form today.