Do you rent in Dorchester, MA? Are your personal possessions protected with renters insurance? If not, Vargas & Vargas Insurance can provide it.
If you currently rent a home or apartment, you will need insurance coverage to protect your personal possessions. Your landlord’s property insurance only covers his building, not your belongings.
Your personal property will only be covered with renter’s insurance, which you will have to provide. Most homeowners have an insurance policy, but only 41% of renters have renter’s insurance. Why? Many people incorrectly make the assumption that their landlord’s insurance protects them.
Also, they underestimate the value of the things they own. Just consider your electronics. It wouldn’t be a stretch to say that the value could get into the thousands. Then add to it your clothing, furniture, kitchen supplies, etc. You have more than you realize, and replacing them would cost a lot.
If you own a dog and it decides to bite a visitor or neighbor, you could be faced with a lawsuit. A renters’ policy provides the liability coverage needed in this case.
Renters’ insurance is affordable. The average policy costs between $15 and $30 per month. It will vary based on the coverage you choose, the deductible amount, and where you live.
As with every insurance policy, there are some exclusions.
- Damage caused by aircraft or vehicles
- Earthquakes
- Explosion
- Falling objects
- Fire or lightning
- Floods
- Riot or civil unrest
- Smoke
- Theft
- Vandalism
- Volcanic eruptions
- Weight of sleet, snow, or ice
- Windstorm or hail
Protect what you worked hard to obtain. Renter’s insurance is a very affordable protection that every renter should have. Vargas & Vargas Insurance can provide a no-obligation quote or answer any questions you may have. Contact our team today. You will be glad you did.
