Renters often think that they don’t need to have insurance because they don’t own the property they live in. However, the truth is far from that, and just because you’re renting doesn’t mean you don’t need to get insurance for your place. You may need renter’s insurance to safeguard against the loss of your possessions and get coverage if a guest is injured while visiting you in your rental property.
We usually see a rise in similar incidents during the holiday season when more and more people travel and visit one another for the holidays. During this time, the likelihood of specific scenarios increases due to an increased risk of fire or theft.
Here are three excellent reasons to get covered ahead of the upcoming holiday season.
If a guest is injured during a holiday gathering at your place, you might be in for some substantial medical expenses if you don’t have this type of coverage. A renters’ policy covers you if one of your guest’s trips and falls at your apartment or home.
While having packages intended as holiday gifts delivered to your location might be convenient, it isn’t always safe. Thieves often use this time of year to steal packages simply because of the increase in the number of deliveries. Unless you have renters’ insurance, your losses won’t be covered. Some policies might even cover theft from the insured person’s vehicle.
From candles to holiday lighting, your home has an increased risk of undergoing a fire during the holidays. If you don’t have renters’ insurance, you aren’t protected against this type of loss. In addition to setting up your holiday displays carefully and burning candles safely, you might want to consider getting this type of insurance for an added layer of protection.
As you can see, the holiday season is not only special because of joy and festivities – it’s also a good time to get insured. If you don’t have a policy, consider getting one today before the holiday season gets in full swing.
Marian Sahakyan is a content writer and a journalism graduate from California State University, Long Beach with a background in marketing as well as UI and UX design. Marian’s previous writing and reporting has been featured in several community newspapers throughout Southern California.