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What People Are Saying

Thanks for making it easy to find the cheapest renters insurance. Knowing our stuff is always protected gives me peace of mind.

Matt and Bethany, Charleston SC

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Affordable renters insurance covering the personal possessions you keep in your home is the essential element not to be left on the wayside as you move to your new place. Whether you're renting a house, apartment, condominium, or loft, you deserve the unwavering sense of security you can have if you purchase renters insurance coverage.

When you stop to think about it, we are all at risk wherever we live. Emergency scenarios come up and play out each day that passes. When you consider this fact, you can do one of two things: make a plan or invite disaster without a plan. To plan means to prepare for an outcome that we cannot predict. When you get affordable renters insurance, you are putting a plan in place.

The plan you are setting up is one that will be there when a situation happens you weren't expecting. If you live in a condo, townhouse, or bungalow and rent without considering what you will do if something strikes your building and damages or destroys all your property, you are holding up a huge sign that says: "Disaster, strike here! I'm not prepared!"

When you get affordable renters insurance, however, you are holding up a sign that says, "Disaster, strike here if you will. But I'm ready for you and can deal with whatever you've got in store for me and my family!"

Affordable Renters Insurance-Don't take a ‘Devil May Care' Attitude

If you think that your landlord's insurance is going to cover your losses when a roof leak turns into a veritable downpour and floods you out of your apartment, leaving all your stuff damaged and destroyed, think again. Only an affordable renters insurance policy will replace your damaged and lost possessions.

Whether you're a divorcee, a single mom, or a senior citizen in retirement, don't leave to chance the valuable items you treasure. You can cover at an affordable cost the following: clothes, shoes, furniture, collectibles, antiques, and appliances. Other items, such as your computer and portable devices should also be included. A wonderful benefit of renters insurance is that even when you take your belongings with you, they are still covered (regardless of whether they are inside your apartment or not). Once you realize this, you'll see how genuinely affordable this coverage truly is.

The kinds of events you are guarding your property against are: theft, falling objects, vandalism, fire, water main break, terroristic acts, and lightning damage, just to name a few.

Your Disaster Supply Kit Should Include Affordable Renters Insurance

In Girl Scouts, young ladies are taught to be prepared and have a kind of "kit" with them in case of emergencies as they head out for romps in the woods. Well, as in the Girl Scouts, so should it be in your foray into renting. When you decide to venture forth in your new place, you need to have in your supply kit, preparations against disaster. And, you definitely need affordable renters insurance in that kit. It's an affordable solution to what could be a big problem when you need to replace personal property.

Here's what can happen if you don't include affordable renters insurance in that "disaster kit." Let's take the case of Lorelle as an example. Lorelle just moved into her new flat after finishing up college. Putting her student years behind was a big step. Shortly after graduation, she took a job in the school's library as an assistant and rented an affordable flat even closer to school than her previous off campus place.

Lorelle got a roommate named Anna, whom she met working in the library. Anna was recently divorced and still had tenuous relations with her ex-husband. Things seemed fine until one night Anna's ex came over and he and Anna had a bit of a tussle. The ex fell through the sliding glass doors and he was cut up pretty seriously. When he woke up a few days later, he had a lawsuit on his mind.

He sued Lorelle for the cost of his medical expenses, saying he fell because of a loose board in the floor. Lorelle didn't have renters insurance. If she did, and if it included coverage for personal liability, the renters insurance company would process the claim and most likely approve it, paying the medical expenses. Sadly, this didn't happen because she didn't get the coverage she should have gotten.

For an affordable monthly premium, you can prevent this kind of thing from happening to you. If you consider that the premium is unlikely to exceed $35 per month, you will understand how genuinely affordable this renters insurance coverage is.

Buy affordable renters insurance now and be prepared. With this kind this coverage in your disaster readiness kit, you can't possibly fear the future.