Top Reasons Why You Need Renter’s Insurance for the Holidays

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Just because you rent an apartment or house doesn’t mean that you don’t need insurance. Renter’s insurance protects you against the loss of your possessions and provides coverage in the event that a guest is injured while visiting you. During the holiday season, the likelihood of certain types of scenarios is increased due to an increased risk of fire or theft. Here are three excellent reasons to obtain this type of policy.

Coverage for Accidents

If someone is injured during a holiday gathering at your place, you might be in for some huge medical expenses if you don’t have this type of coverage. A renter’s policy covers you in the event that one of your guests trips and falls at your apartment or home.

Coverage for Theft

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 taking place. Unless you have renter’s insurance, your losses won’t be covered. Your insurance policy might even cover theft from your vehicle.

Coverage for Fire Damage

From candles to holiday lighting, your home has an increased risk of undergoing a fire during the holidays. If you don’t have renter’s 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.

While you should obtain renter’s insurance to protect you throughout the year, the holiday season provides even more reason to do so. If you don’t already have a policy, you might consider getting one today before the holiday season gets in full swing.

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