When to Buy Renters Insurance

Renters insurance can often feel like an unnecessary expense for those living in a property that they don’t own. However, the consequences of failing to purchase it can end up being more than renters may anticipate. If you’re in Overland Park, KS, HighPointe Insurance Services LLC wants you to consider the following. 

Property Insurance Vs. Renters Insurance 

The landlord is required to have insurance for their property, but they’re not required to have insurance to cover your things. From your laptop to your TV to your couch, you likely have more value wrapped up in your personal possessions than you think. And while some of your things may have depreciated over time, that doesn’t mean you’re ready to replace them. It makes sense to purchase renters insurance if you don’t want to be stuck taking care of everything in the case of theft, vandalism, or damage from covered events. 

Liability Insurance 

Renters insurance can do more than cover your things in the case of loss, it can also help you if you’re accused of being at fault for accidents or injury. So whether a neighbor trips over a stray step stool by the door or they leave your home after having too much to drink, you’ll be able to call on a professional rather than handling it on your own. 

Getting Help 

There’s are countless reasons to put off renter’s insurance, but you can take action today. This preventative measure is an investment in more than your things — it’s an investment in you and your future. HighPointe Insurance Services LLC wants the people of Overland Park, KS to understand the risks of renting, and how they can keep themselves from hot water.  Call us today if you have questions or you’re looking for a renters insurance quote.