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Could Renters Insurance.html
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<p class="card-icons"><em class="ms-4 me-4">Astha Saxena</em> <span
class="card-icons-watch ms-5"><em class="ms-3 ms-md-4">September 19,
2021</em></span></p>
<h1 class="mt-lg-4 text-center"><strong>Could Renter’s Insurance be considered a free
policy?</strong></h1>
</h2>
<p class="own-mobile-text mt-lg-3">If you have just moved to Massachusetts, you have to
consider getting insurance coverage for your living space. Every person wants to feel
protected inside their home and, for this reason, it is essential for them to get an
insurance policy.
</p>
<p class="own-mobile-text">Getting insured is important not only for homeowners, but also
for renters who live in a rented apartment, condominium, or house. Some communities in
which a property can be rented may require you to have some renter’s coverage as part of
your agreement, but this often doesn’t provide sufficient coverage to serve you in cases
of theft or damage of <a href="./commercial-property-insurance.html">personal
property</a>. </p>
<h2 class="mt-lg-4"><strong>What is Renter’s Insurance?</strong></h2>
<p class="own-mobile-text">A renter’s insurance policy is an affordable insurance plan for
people who live in properties that do not belong to them. With a renter’s insurance
policy, you and your property will be safe while you pay very little. <a
href="https://www.investopedia.com/articles/personal-finance/082714/6-good-reasons-get-renters-insurance.asp">
Investopedia </a> ranks affordability as the first reason to purchase a renter’s
policy as, according to them, an “average renter's insurance policy costs $187 a year”.
This rate is an average across all US states, and Boston costs even less at <a
href="https://www.effectivecoverage.com/boston-massachusetts-renters-insurance/">
$180 on average annually.</a></p>
<p class="own-mobile-text ">
<a href="./Renters-insurance.html"> Renter’s insurance</a> comes in different forms and
coverage limits. For this reason, they can be easily personalized based on your
conditions and needs. If you are unsure of what type of insurance policy best fits your
needs, you can get a free quote at Econosurance. You can take advantage of our expertise
and allow us to advise you on what type of coverage works best.
</p>
<h2 class="mt-lg-4"><strong>What About Landlord’s Policy Coverage?
</strong>
</h2>
<p class="own-mobile-text mb-0">While it is true that landlord’s policy coverage exists, it
does not offer protection to its tenants. For this reason, it is common for landlords to
require renter’s insurance from tenants before renting the property to them. In other
cases, it will be outlined in a signed agreement that their policy does not cover you as
a tenant.</p>
<p class="own-mobile-text">A landlord policy covers structural damages to the building you
live in that result from fire, lightning, or storms, not including your personal
belongings. </p>
<p class="own-mobile-text">When it comes to liabilities, the only one protected is the
landlord, such as when a tenant gets injured on the premises. For these reasons, it is
important you obtain your own renter’s insurance to be protected.</p>
<p class="own-mobile-text mb-0">So, a landlord’s insurance policy covers the building in
which you reside, but it excludes your personal belongings. Even in cases of accidents
in your rented home, you will be held accountable if you are not insured. Therefore, it
is always a good idea to get yourself a renter’s insurance policy..</p>
<h2 class="mt-lg-4"><strong>What does a Renters Insurance Cover?</strong></h2>
<p class="own-mobile-text mb-1">Regardless of where you live, the types of renter’s
insurance available are:</p>
<div>
<ol>
<li> Property coverage</li>
<li> Liability coverage</li>
<li> Additional living expenses</li>
<li> Optional coverage</li>
</ol>
</div>
<p class="own-mobile-text">Each of these coverages has specifics that are outlined below.
</p>
<h2 class="mt-lg-4"><strong>Renters Property Coverage</strong></h2>
<p class="own-mobile-text">You may not own the residence, but you do own the stuff in it.
That is what makes your rented
place special and your home despite you not owning it. However, in cases of theft or
fire, the only one that will be
affected by the damage is you because chances are, your personal belongings will be at
stake.</p>
<p class="own-mobile-text mb-1"> Renter’s personal property coverage will cover the costs of
replacing your personal
items in the case of:</p>
<div>
<ol>
<li> Fire</li>
<li> Theft</li>
<li> Windstorm</li>
<li> Water damage from the installed systems</li>
<li> Power surges to your appliances</li>
</ol>
</div>
<p class="own-mobile-text">All your items will be replaced up to the limit agreed between
you and the insurance company
e.g. if you agreed to $15,000 coverage, your belongings will be covered up to $15,000.
</p>
<h2 class="mt-lg-4"><strong>Liability Coverage</strong></h2>
<p class="own-mobile-text">If you are not familiar with the term, liability insurance
protects the insured party against claims that come from injury or damage caused to
other people or their belongings while on the insured property. This type of policy
covers the legal costs you may face, as well as any compensation payouts that you might
be legally liable for from claims made from another party. However, this only includes
unintentional damages caused on your behalf.</p>
<p class="own-mobile-text mb-1"> Usually, renter’s policies you purchase provide a minimum
limit of $100,000 for financial protection for liability claims caused:</p>
<div>
<ol>
<li>In your rented space</li>
<li> By your activities</li>
<li>By your children or pets</li>
</ol>
</div>
<p class="own-mobile-text">In some cases, liability coverage includes medical bills of
others up to $1,000 per person when it comes to necessary medical expenses following an
accident on your property. Higher amounts are also available, but those become available
according to your agreement with the insurance company.</p>
<h2 class="mt-lg-4"><strong>Additional Living Expenses
</strong></h2>
<p class="own-mobile-text">Accidents happen. If for any reason, your rented property becomes
severely damaged or
inhabitable due to fire or similar risks, additional living expenses coverage will take
care of you.</p>
<p class="own-mobile-text">Although this type of insurance does not cover the damages to
your rented property (as that
is normally included in the landlord’s coverage), it will cover the costs that you incur
from not being able to live
there, such as hotel bills.</p>
<h2 class="mt-lg-4"><strong>Optional Coverage
</strong></h2>
<p class="own-mobile-text mb-1">There are limitations to what your renter’s insurance
covers. It is always important to include optional coverage, such as for:</p>
<div>
<ol>
<li>Valuable Items Possession as property coverage doesn’t normally cover these
items, such as jewelry or valuable artwork.</li>
<li> Identity Theft, which can help you rectify your credit status after your
identity is stolen.</li>
<li> Water or Sewer Back-Up, which will help you repair damage caused.</li>
</ol>
</div>
<p class="own-mobile-text">Some insurance companies include risks such as credit or debit
card thefts, fungi, or even inflation protection in their insurance plans. However, this
is not a given, so you will need to check the particular terms of the policy. An
independent insurance agent can help you find the best coverage deal for your situation,
and can potentially save you hundreds of dollars while giving great coverage.</p>
<h2 class="mt-lg-4"><strong>What should I Consider When Purchasing Renter’s Insurance?
</strong></h2>
<p class="own-mobile-text mb-">In order to get a personalized insurance policy, you need to
consider:</p>
<div>
<ol>
<li>The value of the inventory in your home, and</li>
<li>Whether you want Actual Cash Value (ACV) or Replacement Cost Coverage (RCC).
</li>
</ol>
</div>
<p class="own-mobile-text">Creating a home inventory is important because you’ll be able to
set coverage appropriate to your situation. This will allow you to create an overall
value of your belongings that you’ll want to cover.</p>
<p class="own-mobile-text">Additionally, insurance companies usually offer the possibility
of replacing your belongings with cash (ACV), covering their exact cost at the moment of
purchase, or they can replace the items with new ones at the current market price (RCC).
</p>
<p class="own-mobile-text">Your insurance agent can help you make a decision on the
approximate value of your belongings, as well as what form of return benefits you the
most.</p>
<h2 class="mt-lg-4"><strong>Is a Bundled Renter’s Policy Beneficial for me?</strong></h2>
<p class="own-mobile-text"> A bundled policy is normally the best option money-wise. Most
insurance brokers suggest a combined home and auto insurance policy. Renter’s coverage
is inexpensive coverage that – when combined with an auto policy – reduces the policy
rate of the auto aspect. In fact, the discount one receives on the auto policy is nearly
as much as the cost for the renter’s policy. So, it can almost be considered a free
policy. However, to get all the benefits that come from a bundled renter’s policy, you
need an insurance broker that works for your benefit. That is because they learn your
personal needs, and help you purchase coverage that works best for you.</p>
<p class="own-mobile-text"> If you are not sure how an insurance broker can help you with
finding the best deals, you can learn more from the case of one of our own clients here
at Econosurance:</p>
<p class="own-mobile-text"> Susan, who is one of our clients, called us a few months ago to
get one of her friends an insurance package for her rented apartment and her vehicle.
After getting her friend a bundled package, we spoke to Susan for a while to also learn
more about her. However, that conversation ended there and we did not speak to Susan for
months.</p>
<p class="own-mobile-text"> Naturally, after months of not speaking, we did not put much
thought into her case, but she called us to get her own homeowner’s insurance, given her
friend’s satisfaction with our services. However, we were sure that we could get her a
better deal so we talked to her further to understand her situation and then opted for a
bundled home and auto package.</p>
<p class="own-mobile-text"> This policy combination saved Susan over $700 dollars, which
made her and us very happy. Our number one priority at Econosurance is to create a
conversation rather than a transaction with an insurance client. Apart from saving the
client money, we also always seek to create a connection with the client; this ensures
high-quality services and satisfied clients.</p>
<h2 class="mt-lg-4"><strong>Key Takeaways:</strong></h2>
<p class="own-mobile-text"> All in all, a renter’s policy is very beneficial because it
provides protection for your property, against liabilities and unplanned living
expenses, and even optional coverage for luxury items and other items such as a high-end
bicycle or a scooter. Apart from being affordable on its own, you can save even more
money if you bundle your renter’s and auto insurance together!</p>
<p class="own-mobile-text"> An insurance broker with ties to different insurance companies
can help you find affordable personalized deals. Make sure to ask your agent exactly
what your policy covers, as well as keep in touch to find out whether you can benefit
from discount policies. This will allow you to get the most of your coverage and make
buying insurance a little easier.</p>
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<p class="mobile-text">Mobile Home Insurance: An In-Depth Coverage Guide</p>
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<p class="own-mobile-text">5.1% of insured homes in the United States had a home insurance
claim in 2019, according to ISO. Nearly all of these claims were due to property damage,
including theft, which amounted to 97.2% of claims. The remaining 2.8% of claims were
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<p class="own-mobile-text">Homeowners insurance isn't on most people's minds until they
experience damages, a disaster, or someone gets injured on their property. Only about
85% of homeowners have insured their homes.</p>
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