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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I've worked with Amy at Shropshire on my policy and she is always patient and helpful, helping me with a myriad of options and breakdowns. I'm so grateful for her help and kindness!
Chris Powell
Chris Powell
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
Our agent, Ilene Hobgood, is excellent and we have recommended here to several of our friends and neighbors.
D Bunting
D Bunting
A very personable experience ANY time I have a question or need assistance. I couldn't ask for better!
Admin DMCo
Admin DMCo
Great people, very helpful in all aspects. Thank you!
KIP LEDGERWOOD
KIP LEDGERWOOD
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
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Judy Kelly
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bill hillstrom
Great service and always available to answer our questions!
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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!
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Kathleen Phelan
Great team to work with! 😃
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Cindy Robinson
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Debe Snedigar
Great Staff
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Dan Lassiter
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Alan Berger
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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
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
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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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