If you are renting a room, apartment, or other space in Williamsburg, you want to ensure that you are covered. In most cases, your landlord probably has commercial insurance that covers the building where you are residing, but that same policy does NOT cover your personal belongings. You want to ensure that in the event of an accident your possessions are covered.
There are many potential risks and your property is in danger. The items you own are valuable and you should protect them from loss. Besides, renters insurance in most cases is extremely cheap. Call JNR Insurance today to learn what options you have for renters insurance.
But What Does A Renters Insurance Policy Cover?
We understand the primary concerns with renting a home or apartment in Brooklyn, and renters insurance protects you from a range of threats and dangers that would occur with a rented unit. Once your have your renters’ insurance policy, you’re covering yourself against several things like fire, lightning, riots, aircraft, vehicles, smoke, windstorms, vandalism, theft, falling objects, water harm, electrical harm, and a number of other problems. We don’t always think of many of these events happening to us in Prospect Park, but they can happen, and you don’t want to be caught unprepared and uninsured.
Why Get Renters Insurance?
There are several good reasons to get renters insurance for your Bushwick personal belongings, and the first is that it is affordable. The amount you’ll pay annually is almost always much less than you imagine it to be. Next is that you have more personal property than you think. Average renters have around $20,000 worth of personal property. Surprised? So are most Dumbo renters, and they certainly don’t want to have to shoulder that cost again.
Also, be aware that your landlord may require you to have renters insurance. It’s not because they are mean, but they are helping to look out for you and your personal property. They know their insurance policy doesn’t cover your belongings, so you need to protect them yourself. These policies can also cover your belongings when you travel, so you are protected from theft even if you are on the other side of the country or the world. Some policies also provide liability coverage as well, so it’s best to speak with your JNR Insurance agent to learn what options you have and what is right for your situation.