Monday, November 25, 2013

Why You Need Renter's Insurance

By Maryl Joop


How much do you believe your belongings are worth? If they were stolen or destroyed in a fire, would you want compensation? If you live in an apartment without renters insurance, your deposit to your landlord will not be able to cover these costs.

First, don't get your car messy in the first place. It's all in the mind. Try not to think of your car as a home away from home. That means don't take your meals in your car. Don't spend the night in your car. Don't cut your nails in your car. Don't change your clothes in your car. Don't open boxes, bags, or packages in your car. By nixing these common car habits, you just eliminated eighty-percent of the mess. Easy breezy.

If, however, you can't avoid doing some of those things in your car, make sure that you exit your car with that trip's mess. It may be hard, but muster that extra second of energy to lean over and grab that McDonald's bag!

If you have difficulty with the first suggestion, here is another. Strange as it may sound, treating your car like a real person can help a lot. If you've already named your car, so it should be a simple bridge to cross. By thinking of your car as a friend with a personality rather than a cold, mindless machine, you might find a little extra motivation to take better care of him or her. Tap into your human nature and let your compassion benefit your car.

The benefits of having renter's insurance are numerous. For example, if your apartment is destroyed in a fire, you will need another place to stay. The renters insurance can provide this for you and pay for it as well.

Most homeowner's insurance policies come with about $100,000 in liability coverage. However, this number is extremely low when you consider recent court cases. Protect yourself legally by purchasing a policy that insures you for a more realistic amount, around $1 million.

Studies show that 96 percent of homeowners have homeowner insurance whereas less than half of apartment renters have renters insurance. Accidents in the home are just as likely to happen in apartments as anywhere else and renters insurance can save you a lot of money and heartache.

The only remedy for this is bucking up and cleaning your car. Just pick a day and run through the car. When it's time to wash the outside of the car, run through the inside with a garbage bag and vacuum in hand.

When it's time to renew your auto insurance at Myrtle Beach, you'll be able to show off your slick car. If you're trying to get home insurance or renters insurance from Conway South Carolina, they will be impressed how well you take care of your car and be more willing to insure your home. It's a win-win situation when you've got a clean car!




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