When Renters Insurance Can Save You


The idea of positive thinking is a popular concept. Positive thoughts bring you good things. It’s been proven that positive thoughts help boost your health and well-being. However, thinking positive does not mean ignoring the possibility that something catastrophic may happen. You still need to be prepared. When things are peaceful and running along smoothly, when you live in a nice quiet neighborhood, it’s easy to think you don’t need renters insurance. What could possible happen? And if something happens to the house it is not yours anyway right? However, your belongings are. There are times when renter’s insurance can save you.

Don’t be Unprepared

If you are a renter it’s true that your landlord owns the property and has insurance coverage on it. If something happens to your house or apartment the landlord’s policy will cover it. However, your landlord’s insurance policy does not cover your belongings. Insuring your belongings is your responsibility. As with all insurance policies, renter’s insurance covers certain things and not others, but a basic renter’s insurance policy ranging around $250 a year will cover about $50,000 in damages.

Protect Yourself

Renter’s insurance can protect you against disasters, break-ins, vandalism, and more.

Disasters: When you look around your place you may think you have nothing worth insuring, but imagine if it was all destroyed and you had to purchase it all again: your clothes, shoes, jewelry, furniture, bed, TV, microwave, stereo, and so on. Renter’s insurance will cover damages caused by:

  • Fire
  • Smoke
  • Wind
  • Lightning
  • Explosions
  • Electrical surges
  • Snowstorms
  • Certain types of water damage

Break-ins: A standard renter’s insurance policy will cover theft. If someone breaks into your home or apartment and steals your TV, laptop, stereo, jewelry etc. your insurance will cover some or all of the replacement costs.

Vandalism: Did your angry ex break-in and vandalize your home, wreck your belongings, smash your computer or TV? Hopefully not, but just in case your ex or someone else does, your renter’s insurance should help cover the costs.


With over 20 years of experience in the insurance industry, the Jeff Van Matre Insurance Agency can help you choose the right coverage plan to protect your personal and business assets. To learn more, or to get a free quotecall our Carrollton office today at 972-492-8500.