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All-Star Insurance Brokers Inc

2821 S Parker Rd Suite 455
Aurora, CO 80014

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3 Key Areas Covered By Renters Insurance

Most people prefer renting an apartment as it provides freedom to live anywhere in the state. For some, it’s to evade the responsibilities of owning a home, like pest control, yard work, maintenance, or trash removal. It, however, does not eliminate the need to buy insurance while renting an apartment. Your landlord’s insurance only insures the grounds and buildings against damage or loss. That’s why you should have renters’ insurance. 

Our experienced team at All-Star Insurance Brokers Inc. in Aurora, CO can help you navigate this vital coverage.

What does renters insurance cover?

Here are the key areas:

  • Personal liability coverage: Accidents to others, causing bodily injuries or property damage, can happen within your apartment. For example, a visitor’s slip or fall may result in injuries requiring medical attention. Your liability coverage would pay for the resulting medical expenses or legal charges if you get sued.
  • Personal belongings coverage: Your house is where most of your valuables are, for example, electronics, appliances, furniture, clothing, books, and much more. The coverage replaces your belongings in case of damage or loss due to a covered peril.
  • Additional living expenses: Your renters insurance also covers additional living expenses. If your home, for example, gets damaged to an extent it becomes unlivable, this policy puts you in a temporary living place as repairs are ongoing. It may also pay for meals, laundry, pet boarding, and other expenses.

Get Renters Insurance Today

Most people underrate the importance of renters insurance because it does not cover the building. The fact that it protects your personal belongings and pays for the additional living expenses and lawsuits is reason enough to invest in renters insurance. Furthermore, renters insurance is affordable and gives you peace of mind. Ready to purchase renters insurance in Aurora, CO? Contact All-Star Insurance Brokers Inc. for an affordable quote.

How to Find the Right Renters Insurance Policy for You

Aurora, CO is a beautiful place to live — many residents rent homes here and love the experience of living in Colorado without being tied down to a mortgage. However, if you’re a renter — do you have renter’s insurance? 

Renters Insurance in Colorado

Renters insurance may not be required by law in Colorado, but All-Star Insurance Brokers Inc advises all tenants to purchase renters insurance for many reasons. 

In the event of a fire, natural disaster, or other severe weather scenario, renters insurance protects all your belongings in the home. Your personal property is your responsibility, not the landlord’s, so it’s important that you have an insurance policy on those items should anything happen to them. 

This can include any major appliances you’ve purchased since living in the home, clothing, jewelry, laptops, cameras, TVs, and anything else you own. Imagine a fire destroys everything in your current home and you don’t have an insurance policy protecting your items. What would the financial loss be? 

Don’t put yourself in a vulnerable situation as a renter in Aurora, CO. Maybe you are trying to save money for a down payment on your first home; if disaster strikes and you have to replace your belongings, without an insurance policy you’ll have to start over at zero. 

To avoid any potential financial hardships, invest in a renters insurance policy. You may never need it, but on the off-chance that you do, you will be very grateful that you covered all your bases. For a low cost, you can have total peace of mind as a renter. 

Those looking for an affordable renters insurance policy should contact All-Star Insurance Brokers Inc. Our experienced agents can provide you with all the information you need. 

What Does Renter’s Insurance Cover?

At All-Star Insurance Brokers Inc in Aurora, CO, our agents understand the importance of renters insurance, but the question is, do you? While renters’ insurance is not required under Colorado’s laws, it may be required by your landlord or property management company, but even if it is not, having a policy in place is a great idea.

Renters’ Insurance Coverage

If the house, apartment, or other types of residence you rent happens to catch on fire, is vandalized, or is destroyed or damaged by a natural disaster, the structure itself will be covered under your landlord’s insurance. Still, it will not cover your personal property. This includes your clothing, appliances that you purchased, furniture, and other items that belong to you. In other words, you can lose everything you own and have to start over from scratch. A renters insurance policy will help you replace all of those items, so you do not have to shoulder the entire cost. Renters’ insurance will also cover any of your belongings that are stolen if your home is burglarized.

Get Your Policy Started

Renters’ insurance policies are very inexpensive, but the coverage you receive, not to mention the peace of mind, is important to your future and sanity. If a disaster occurs, you want to be prepared so that you can continue to move forward in your life.

To create the best insurance policy for you and your situation, you will want to enlist an experienced renters’ insurance agent’s assistance. At All-Star Insurance Brokers Inc in Aurora, CO, our agents are prepared to provide you with a quote and get your policy started today! Please call for an appointment.