Ready to rent? Figure in tenant/homeowner coverage, or you may be figuring in how to replace what you lost!

Several research studies have shown that 60% of renters don’t have this coverage, and that only 72% of those under 25 have coverage!

What are the reasons people give for not having coverage?

"I can’t afford it" are you sure? That large flat screen TV in your living room may actually be worth more than the cost for one year of tenant/homeowner coverage! How much would it cost you to replace everything if the place that you rent burned down?

"It’s not important" really? What is your plan if something happens? How will you get dressed for the next day? What if the bike you use to get to work is gone? Where will you be living until you can get reestablished?

"I don’t have much" perhaps your apartment is pretty sparse? What about your clothing, electronics, kitchenware, bedding, toiletries; maybe you don’t have much but what if you lost it all? Many people believe since they don’t own the building they don’t need insurance – wrong! Renters insurance covers your belongings which are not covered by the owner/landlords insurance.

Call an agent today to find out what it cost to insure your belongings. Chances are that it be far less expensive than having to replace everything your own after a fire or robbery or another type of loss. Keep in mind insurance is protection just in case, and that "in case" can happen when you least expect it.