There is a difference where you buy your insurance protection.
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If you live in a condo, apartment, duplex or house that you do not own in the Colorado Springs or Denver, CO areas, renters insurance can protect you and your possessions much like regular homeowners insurance protects the owner of a home. Renters insurance helps you avoid all or most of the damages that might occur should anything happen to the rental property in which you’re living.
Your landlord’s insurance policy covers the building, but not your personal property or other contents you own should the apartment, home or condo you’re renting be damaged by fire, storm, flood or other catastrophe. You have to cover your own personal belongings, and this is the instrument you can use to do it.
Your first step is to sit down with a qualified rental insurance agent like those we have at Insurance Centers of America. Your agent can advise you on the type of policy that will cover your possessions in the rental apartment, home or condo, and go over the options you have in such things as limits and low cost deductibles. Once you sign that policy, your coverage begins as stated in the policy.
The biggest mistake people make is putting off the decision to take out renters insurance. It’s not uncommon to meet people who have lost everything because they failed to take out the insurance prior to a major event such as a fire or bad storm. Don’t let that happen to you. Call or email us now for more information, or fill out the form on this page.
If you wish to be contacted by our local Colorado Springs or Denver, Colorado agent to discuss how-to save money on your insurance, please fill out the form below!