Wherever you rest your head at night is where you call home. From that spacious cape style house or a unit in a large apartment complex. Your home has all of your personal belongings, items such as photo albums from your childhood to laptops and televisions. Renting is a great option for people who want to be independent but not deal with the expense or hassle of keeping up a property. As a Massachusetts renter, you have the flexibility to move to new areas and well let’s face it, you most likely don’t need a lawn mower! That alone is a huge benefit. Did you know in the event of an incident, your personal belongings are not covered by the property landlord’s policy? Your personal belongings are your responsibility.
Now you may be thinking, “I don’t need a Massachusetts renters insurance policy, I really don’t have anything.” But that may be far from the truth. Even college kids have stuff! I mean, imagine all of your Jordan’s getting destroyed! Unless you purchase Massachusetts renters insurance, your personal effects have no coverage. Every year we hear about at least one apartment complex burning down. While we hope that doesn’t happen to you, for a small investment you can make sure everything from your toaster to your iPad are protected.
Should a fire happen, unless you have renters coverage, you would need to buy everything on your own: towels, bedding, clothes, dishes, TVs, couches, mattresses and more….
If a catastrophic event happens, making your rental temporarily uninhabitable, coverage can be purchased to pay for your additional living expenses while repairs are made to your home (this means you won’t have to move back in with your parents!).
Personal liability coverage is available to protect you against a lawsuit as a result of bodily injury or property damage to others. Personal injury protection can also be included, which is extremely important to have in today’s social media driven environment.
If your car is broken into, your personal items are not covered. If you rent and have a Massachusetts renters insurance policy, you can be covered.
A great organization – wonderful people to work with! - Janet S.