Renter’s Insurance

THERE ARE ADVANTAGES TO BEING A RENTER…

As a renter, you’ve got it pretty good: No property taxes, no lawn cutting, and no snow removal.

But what would you do if you returned from work or a vacation and everything in your apartment had been destroyed by a fire? Or if there were a break-in and some of your most expensive stuff was stolen? You may think that the building owner’s insurance would take care of all the damage caused by a fire.

It doesn’t.

Your building owner is only required to carry insurance for the structure. Usually, covering everything outside “your walls” is their responsibility, while everything inside is yours to cover. This means all your furniture, electronics, appliances, clothing, and jewelry are uninsured unless you purchase a renters policy.

 

THE COST OF REPLACING YOUR STUFF

If you’ve considered it all, you might think that the “stuff” you’ve accumulated isn’t worth that much. It may or may not be worth anything from a dollar amount, but that’s very different compared to how much it would cost you to replace it. Buying a new bedroom set, clothing, or a computer can cost much more than you think.

You’ll be surprised at how affordable renters insurance can be. Besides covering all your stuff, it covers you from being held liable for if someone hurts themselves while they’re in your home. So, in the unfortunate event you’re sued, and the judgment goes against you, the renters policy will cover you up to your policy limits.

DO YOU NEED RENTERS INSURANCE?

According to recent estimates, nearly two-thirds of the 81 million people who rent their homes are uninsured for their contents, or for any liability arising out of their tenancy.

First, do the math and add up how much it would cost to replace your belongings. Second, check with the terms of your lease, and verify if carrying a renters policy is required by your landlord. Third, request a renters insurance quote to verify just how affordable it is to protect your belongings from perils like theft, vandalism, fire, and falling objects.

WHAT ELSE IS COVERED?

Renters insurance can cover virtually all of your personal possessions. Most policies provide coverage for electronic goods and equipment, small appliances, sports equipment, cameras and photography equipment, furniture, clothing, glassware, china, and books. Other items, such as computers, jewelry, furs, watercraft, and firearms, can also be covered with extended protection. Your renters insurance policy may include:

  • Personal property protection
  • Family liability protection
  • Guest medical protection
  • Additional living expenses
  • Additional protection
  • Temporary housing
  • Liability protection for people on your property

Again, we encourage all renters to spend just five minutes with a calculator to add up the cost of replacing everything they own. What if you came home tomorrow and your apartment had burned down? Where would you go? How would you pay to replace your clothing, furniture, and appliances? When you ask yourself what renters insurance covers, you can relax and say yes to all of the above.

WHY WE’RE DIFFERENT

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you. After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your personal property.

Contact us today, and we’ll help you protect what matters most.

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All of the staff are great! Very helpful and answer any questions or concerns!!!We are very pleased and highly recommend Shropshire AgencySteve and Dixie Stewart
Dixie Stewart
Dixie Stewart
Very efficient, professional, pleasant attitudes to be around.It's making an unpleasant restoration so much easier to handle.
Judy Kelly
Judy Kelly
Great people, great service
bill hillstrom
bill hillstrom
Great service and always available to answer our questions!
Lester Mills
Lester Mills
It is a very top notch helpful business. They are there for their customers.
Cheryl Crabtree
Cheryl Crabtree
I've been doing business with the Shropshire Agency for many years. They have taken great care of our family. I appreciate that they review our policies with us each year and make sure we are getting the best coverage for the best rates.
Tameisha Bolen
Tameisha Bolen
With me every step of the way! Highly trusted agency, going above and beyond to ensure home security. Thank you!
Kathleen Phelan
Kathleen Phelan
Great team to work with! 😃
Cindy Robinson
Cindy Robinson
I've been with The Shropshire Insurance Agency since the mid 1970's and they have always been there for me when needed. They are a stellar agency!
Debe Snedigar
Debe Snedigar
Great Staff
Dan Lassiter
Dan Lassiter
I have been with this Insurance agency for years. They work very hard to make sure I have the right information when I need it. I am a small company, but they treat me like I am there only client. Great people, Great Service and Great knowledge of the insurance market and I would recommend them to anyone.
Alan Berger
Alan Berger
Jeff and his staff have been wonderful in helping me both with personal coverages as well as for my business. Coverages are priced very competitively with better coverage than before.
Chris Powell
Chris Powell
The Shropshire Agency has handled our business insurance for years and we appreciate all their hard work to keep us covered as we should be. They always go the extra mile and are very courteous and professional. I highly recommend them.
Connie C.
Connie C.
I have my home and autos insured through the Shropshire Agency and have for many years. I truly appreciate the professionalism and responsiveness that I consistently experience. Trusted team of people to work with and I highly recommend.
David McCulley
David McCulley
Shropshire handles the insurance needs of Shannon Sound & Lighting very well.
NMN Shannon
NMN Shannon
Jeff is awesome. He listens to what your concerns and needs are and tailors everything to exactly what you need to have peace of mind.
Jon Live Life Well Clinic
Jon Live Life Well Clinic
Great people to deal and do business with
Glenn Estes
Glenn Estes
Great people. They are able to shop through several different insurance companies to find the best deal to suit you personally.
Logan Shelburne
Logan Shelburne
Thank You, Chuck S.
Chuck Sudduth
Chuck Sudduth
Jeff has been great to work with for our business insurance. I started a new business in Lubbock and he was with us every step of the way. The staff at Shropshire Agency has the best communication for any policy from start to finish. Don't waste your time with anyone else, they cover auto and home as well!
Lubbock Cleaning Solutions
Lubbock Cleaning Solutions
The Shropshire Agency has covered my business for the last 8 years. They are very thorough and go through my policy every year and have the ability to shop the policy to get the best prices. Great agency!!
Katrina Kohnle
Katrina Kohnle
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