When you are a renter in Baton Rouge, LA, it can be tempting to skip purchasing all that insurance you might think is the responsibility of your landlord. However, the agents at Insurance & Financial Services, Inc. want to remind you that renters insurance is an inexpensive way to keep your savings account intact and your future on track.
Replace Your Stuff when Disaster Strikes
If your apartment building burns down in a fire, your landlord’s insurance only replaces the building. That doesn’t help you with your furniture, wardrobe, and all the other things that cost you a bundle to buy. Renters insurance helps you replace your possessions, so you won’t be relying on emptying your savings account.
Pay for Lodging when Your Apartment is Lost
Even if your unit was spared the flames, it could become uninhabitable due to smoke, water, or fumes. What will you do while it is renovated? A hotel can cost more than you expect. You can add temporary housing to your renter’s insurance. When you know you have a safe place to sleep, you can keep working and continue on with life until your place is refurbished and ready to be occupied once again.
Cover Medical Bills after an Accident
If one of your friends trips on the front stairs, your landlord’s liability insurance will handle their medical bills. When they fall in your apartment, that’s when your renter’s insurance kicks in and will take care of the trip to the ER while making sure that your friendship remains in one piece.
If you think all this coverage has to be unaffordable, think again. Check with your knowledgeable insurance agent at Insurance & Financial Services, Inc. in Baton Rouge, LA and be pleasantly surprised that your peace of mind is entirely within your reach.