One of the least expensive insurance products on the market today is Renters Insurance.  Consumers win here in pricing and the availability of this important protection from a wide array of providers.  Most companies that write homeowner's and tenant occupied dwelling fire policies offer their clients the protection provided through a Renters Insurance policy.   There is no State or Federal  legal requirement to carry this vital protection; however, many large apartment complex require their tenant's to show that the residence they live in is protected by a Renters Insurance policy.  These policies help protect your personal possession from threats like fires, burglary, water leaks, and other events where your personal property is destroyed by a covered peril. 

In the Chattanooga area, consumers have many options to obtaining coverage for their personal things like furniture, tools, jewelry,  books, clothes and much, much more.  Progressive, Travelers, Safeco, State Auto, and Haulers Insurance Group offers excellent pricing for this valuable coverage.  Most of these package companies will also offer a multi-policy discount if your renters insurance is packaged with your automobile insurance.  Most policies are under $20.00 a month and, if that fire breaks out in the apartment next door and the fire department plummets your apartment with gallons and gallons of water, that $15.00 - $20,00 a month will look very cheap when you're staring at a property loss of $15,000.00 or $20,000.00 in water drenched items.  If you made a list today of every item you owned, you'd be surprised at how quickly those rooms of personal items add up. and what a relief to have a Renters policy in place to help.  These contents policies, not only help replace your personal property, but most all of them provide Loss of Use coverage which helps an insured with expenses like food and motel or hotel costs while your apartment is being put back together.  With Renters Insurance you don't have to rely on places like the Salvation Army to give you a warm, dry place to stay in the event of a covered loss. 

Renters Insurance is a vital protection for those who rent.  Renters Insurance, in addition to covering your personal property, also covers allegations of liability in case a guest accuses you or your household members of causing a bodily injury or damage to that guest's property.  The amount of liability an individual carries is a personal preference, but most of these policies come with $100,000.00 in Personal Liability and higher limits are available for very little cost.  Not only is Renter's insurance important, it is one of the best bargains, dollar for dollar, in the industry. 

Are you covered?  Call your local insurance agent today or CALL US  at 423 870-3545 or visit request a quote here today! 

 

 

 

 

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