Renting your first house or apartment is incredibly exciting. So is renting your second. And your third. When you're moving around and enjoying the independence that comes with having your own place and your own space, you get to make the final decisions on the details. That includes shopping for-and sifting through-your home insurance quotes!
You may or may not have known that even when you're renting instead of buying, you still need to go shopping for home insurance quotes. Most people know that home insurance will cover the cost to rebuild their homes if things go horribly, horribly wrong. Did you know that same coverage will pay to replace the contents of your homes if you lose it all? While your landlord's insurance will cover the cost to rebuild their apartment, it's not going to do a thing to replace your personal possessions.
Studies show that most people have an average of $5,000 worth of "stuff" stored in their homes. Do you have enough money in your bank account to spend thousands of dollars to replace your computer? What about your furniture? All of your clothing? Having to start all over again is an expensive proposition, and one most people can't afford while they're still struggling to pay rent and get their finances in order.
Are you saving for a house? How far do you think your funds will go if you have to replace the inside of your home rather than the outside?
Then there's the minor inconvenience of theft. No community can ever be entirely free of theft. Opportunists are present everywhere. Can you imagine what it would be like to come home and find your most expensive possessions stolen? Studies show that most apartments are robbed during the day, when their owners are at work, which means every minute you spend earning the money to pay for that apartment is another minute it's wide open to whatever fiends decide to come your way.
Any company that offers home insurance quotes to homeowners is going to have the resources you need to keep your apartment safe. Your landlord will probably let you know that you need to pick up a home insurance policy (they're pretty quick to make it clear they're not responsible for your liabilities); however, even if your landlord hasn't mentioned it you should keep in mind that shopping for home insurance quotes is a vital part of any kind of home ownership. Even the temporary kind.
Shopping online is a great way to make sure you get a good deal on home insurance quotes for your rented apartment, so what are you waiting for?
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