Whether you’re heading off campus, signing a lease for a new job, or upgrading your space, there’s one important step many renters forget: protecting what’s inside. From laptops and textbooks to furniture and everyday essentials, your belongings can add up quickly—and so can the cost to replace them if something goes wrong. In this blog, we’ll dive into the basics of renter’s insurance and how it can help protect you in situations involving theft, liability, and property damage. Continue reading New Lease, New Risks: Renter’s Insurance
Category: Renters Insurance
Renters Insurance and Theft During the Holiday Season
As the holiday season quickly approaches, many find themselves making large purchases to gift to their loved ones. Unfortunately, paired with the season of giving, is a 20% increase in theft-related crimes. In this blog, we will go over how you can handle theft during the holiday season as a renter and what strategies you can use to protect your assets to provide your family with the comfort the winter months bring.
How Does Renters Insurance Protect Against Theft?
If you are renting a home or apartment this holiday season and have not purchased renters insurance, it is the perfect time to think about adding it to your plan. At a low monthly cost, renters insurance not only protects your home against damages and liabilities, but also theft—whether it occurs in your home or off the property.
Things to Consider
- Taking a Home Inventory: Having an up-to-date list of all your “big ticket items” is key in keeping track of how your totals stack up against what your policy limits are, especially when you start purchasing expensive gifts.
- Filing Claims: If you are filing multiple claims, you will have a higher premium. Consider the value of the items before filing a claim, as it may not be justifiable.
- Deductibles: Before your insurance covers the remaining cost of the stolen items, you will have to pay a deductible beforehand.
Protecting Your Belongings Against Theft
Being mindful about busy shopping plazas, package deliveries, and keeping your house secure is key in protecting yourself before renters insurance needs to step in.
- Hide Valuable Items: If you have completed a big shopping trip, keep them out of sight from potential thieves and do not leave them in your vehicle overnight. Parking in well-lit, monitored areas is also a good idea.
- Lock Your Home and Vehicle: Always lock your vehicle and home, even if you are leaving for a short period of time.
- Install a Security System: Having a security system outside of your home can help you monitor any unusual activity, especially as your package deliveries increase. If it is an option, change the delivery time to when someone will be home.
- Be Cautious Online: If you are going away for the holidays, do not post your activity until you have returned home.
- Vacations: Pause mail and newspaper deliveries while away, so there is no noticeable pile-up. Think about leaving a couple lights on, or better yet, place them on a timer.
Now that you know how renters insurance can protect you and your family both at your home and off your property, it is time to review your coverage to make sure your policy limits match your needs. To review your coverage or start services with us at the Safeside Insurance Agency, you can call us at (508) 753-8862 or visit our website here. With over 30 years of experience servicing the Worcester Area, we are here to find you the coverage you need to keep you and your loved ones safe.
Most Common Insurance Claims in the Fall
As the crisp fall air rolls in and the leaves start to change, many of us look forward to cozying up by the fireplace, heading out for scenic drives, and preparing for the upcoming holiday season. However, autumn also brings unique challenges that make proper insurance coverage vital. From weather-related accidents to home safety challenges, we will go over the most common insurance claims that are filed during the fall and how you can make sure you have the needed protection. Continue reading Most Common Insurance Claims in the Fall
Protecting Your Home Against Halloween Mischief
With the season of trick-or-treating and Halloween mischief approaching, it’s a great time to reassess your home safety and liability insurance to avoid any insurance nightmares. Today, we will discuss what precautions you can take to guarantee visitors don’t get injured on your property, as well as any protection you may need if your home is vandalized. Continue reading Protecting Your Home Against Halloween Mischief
How Insurance Changes When Downsizing Your Home
Thinking about downsizing can feel like a really big step, but it’s an exciting chance to rethink what you really need in a home. Whether you are moving out of your parents’ home into your first apartment or from a family home to a retirement condo, there are several important aspects to keep in mind. In this blog, we will walk you through how insurance changes when downsizing your home and guide you through taking a new home inventory, assessing changes in liabilities, and determining whom it needs to cover. Continue reading How Insurance Changes When Downsizing Your Home
Does Your Renters Insurance Cover Roommates?
Renting with friends is exciting, but it is vital not to let the new change overshadow the importance of protecting yourself in your new home. Know the steps to give yourself the coverage you need—from talking to your roommates about their needs to taking a home inventory—whether that’s if renters insurance covers your roommates or creating your own coverage personalized to you. Continue reading Does Your Renters Insurance Cover Roommates?
What Insurance Covers Car Break-Ins and Theft?
Car break-ins and theft are unfortunate realities that many vehicle owners may face. Knowing what types of insurance can protect you against these risks is crucial. This blog will guide you through the essential aspects of car break-in and theft coverage, focusing on comprehensive car insurance, renters, and homeowners insurance. Continue reading What Insurance Covers Car Break-Ins and Theft?
Insurance Coverage Needed for Renting a House
For those who have just made the transition, renting a house instead of an apartment can be a big change. And it can be a similar jump for switching insurance coverages. In this blog, we’re going to look at renters insurance, what might change when you’re renting a house, helpful tips for better insurance, and gaps in coverage both you and your landlord might need to look at. Continue reading Insurance Coverage Needed for Renting a House
Reviewing Your Current Insurance in the New Year
A new year means a lot of different things to a lot of different people. New personal or financial goals, dealing with new purchases from the holidays, or a new business year. Regardless of your situation or plans, one thing everyone should do in the new year is revisit their insurance. Whether it’s homeowners, renters, auto, or business policies, reviewing your current insurance alongside your ambitions for this year is the first step to meeting your resolutions. Continue reading Reviewing Your Current Insurance in the New Year
A Guide to Renting an Apartment in College
College is an amazing experience, but renting a college apartment can be a nail-biter. If you’re new to the leasing market or were burned by a previous encounter, it pays to go into any leasing office with a plan. Below, we outline several steps to prepare to meet a landlord, sign a lease, and get the right renters insurance. Learn how renting an apartment in college only get better with the right protection for you and your possessions. Continue reading A Guide to Renting an Apartment in College