Renter’s Insurance

Renters Insurance, Mid-Missouri

Why do you NEED Renters Insurance?

A lot of things can happen to your place. Pipes burst. A spark ignites a blaze. Thieves break down your door. Sometimes stuff just happens. Your day starts out like any other day, then suddenly your possessions are ruined or stolen. And if something forces you to move out for a few weeks, you could end up shelling out thousands of dollars. Can you really afford that out of pocket?

The landlord of your apartment has insurance, but it probably only covers the building where you live – not your belongings or your liability for accidents. If your possessions are stolen during a break-in or damaged by a fire or severe weather, a renters insurance policy will allow you to recover their value. If someone is injured during an accident in your home, renters insurance will help protect you in the case a liability lawsuit.

Just imagine going to dinner or a special family get-together, and when you return home, you’re greeted by the flashing lights of police cars and fire trucks. Building fires and damage can happen anytime, anywhere, but with proper renters insurance, your personal property inside your apartment will generally be covered.

Renters Insurance Covers:

Examples not limited to:

  • Fire or Lightning
  • Windstorm or Hail
  • Freezing of plumbing system
  • Theft

Renters Insurance Does NOT Cover:

  • Bodily injury or property damage that is expected or intended by the insured
  • Business pursuits
  • Professional services provided or not provided
  • Ownership, operation, use, or maintenance of aircraft, motor vehicles, and certain watercraft

You have thousands of dollars in property. Maybe you can’t afford to replace it all, but you can insure it — for cheap. The Paul Long Agency can find you a renters insurance policy that is affordable for any budget. In case of the unexpected, that small daily cost will save you thousands. Before you shop for renters insurance, take an inventory of what you own to decide what level of coverage makes you comfortable. Then, get a renters insurance quote and choose the policy that’s right for you.

Any of these representatives would be happy to assist you!

We are in it with you for the LONG haul.