Renters Insurance in all of Texas, Alabama & Oklahoma
Renters Insurance in Abilene, TX & all of Oklahoma, Alabama & Texas
Why Do I Need Renters Insurance?
All too often, life is defined by the unexpected—especially if you live on rental property. What are your neighbors doing upstairs? What was that loud BANG! from the next-door apartment? You can’t control or predict what neighbors do. Neither can you direct the weather or prevent every possible mishap. Accidental fires or other kinds of accidents and disasters strike can strike anyone, anytime. And sometimes even the most stringent precautions won’t prevent you from being targeted by vandals and/or thieves.
That’s why renters insurance is critical to protecting your assets. Your landlord probably maintains some type of tenant insurance, but this coverage is bare-bones and will reimburse you for almost nothing—if that Without doubt, landlord insurance provides zero reimbursement for your personal stuff.
Why Renters Insurance?
Because you’re a renter and not a homeowner, you might believe you don’t need renters insurance; you simply don’t have sufficient assets—or so you believe. For most people, this simply isn’t true. Unfortunately, many renters simply don’t realize how much they stand to lose.
For example, the average tenant owns more than $35,000 worth of personal possessions, most of them kept in the rental unit. And $35,000 is an average. Many tenants own significantly more, others own substantially less. And it’s a given that landlord insurance won’t cover any of your personal possessions.
If unexpected disaster destroyed all your stuff, do you have $35,000 in liquid assets to buy replacements? What about $20,000 or $25,000 in cash? How about $50,000 or more in cash?
If your answered no to these hypotheticals, it’s time to buy renters insurance or, maybe, to increase your coverage amounts!
What Does Renters Insurance Cover?
A good renters insurance policy will protect most if not all of your valuables. Proper renters coverage will reimburse you for losses incurred from unexpected disaster. Those monies make it easier to recover and get back to life-as-normal.
A renters insurance policy protects you from fires, wind and hailstorms, lightning, theft, and other unanticipated mishaps, including aircraft and motor-vehicle accidents—even riots.
What is Excluded from Renters Insurance?
Like other insurance policy types, renters insurance also excludes coverage for specific event types:
- Floods
- Earthquakes and mudslides
- Settling
- Natural deterioration and neglect
- Bird, rodent, insect, and domesticated animal damage
Discounted Renters Insurance with Multiple Policies
If you buy renters insurance from a Wicker-Parker provider, you might qualify for discounted rates if you’re already a Wicker-Parker policyholder. Whether you’re already a customer or not, ask us about multiple-policy discounts for bundling renters insurance with other policies.
For a Free Renters Insurance Quote, Call Wicker-Parker Insurance Agency
Shield your assets against the unforeseen with renters insurance from Wicker-Parker Agency. If you’re shopping around for renters insurance in Abilene, Texas, or anywhere else in Texas, Oklahoma or Alabama, call us! As an independent insurance agent in Abilene, TX, we partner with numerous top-quality insurance carriers. We’d be thrilled to do the shopping around for you!
We’ll answer all your questions about renters insurance and help you make informed coverage decisions. Fora free online renters insurance quote, click here, or call Wicker-Parker Insurance Agency today at 325-437-0677!