If You Don’t Have Renters Insurance, You Aren’t Covered for Fires or Other Losses

Did you see any of the news reports below about apartment fires in Massachusetts? If not, please take a moment to click on a couple of them and then ask yourself.

“What would I do if this happened to me?”
“How would I get back on my feet?”

Dec 2016 – 22 Families Left Homeless After Apartment Fire in Methuen

Jan 2017 – Dozens Lose Apartments After 5-Alarm Fire Destroys Lynn Building

Mar 2017 – Fire Destroys Apartment Displaces 10 in Hardwick

Mistaken Assumptions You May Have

  • Your landlord’s insurance covers your personal belongings…it doesn’t!
  • Underestimating the cost of replacing all your belongings
  • Your landlord’s insurance covers someone injured in your home…it doesn’t!
  • Renters insurance costs a lot. It is typically less than $1.00 a day.

Fires are among the most devasting losses that can happen to an apartment dweller, but broken pipes, burglaries, and other situations can also cost money and cause stress. Unless you have renters insurance, your belongings aren’t covered, and neither is your personal liability. What if you caused a fire by accident that damaged other people’s property? You could be held liable and wouldn’t have any insurance to help protect you.

Getting Covered is Fast, Easy, and Affordable

For approximately $200 annually, you can have insurance that guarantees you’ll have money to replace everything you own and pay for extra housing expenses if needed. If you also carry auto insurance, you may receive a bundled discount and save up to 10%, which can offset some of the cost of obtaining renters insurance.

You can go online to get a renters insurance quote, or Contact Us to speak with one of our professionals. Answering a few quick questions gives us the information needed to provide you with a custom quote. In most cases, we can have you covered in no time.

Don’t keep putting it off. The next time you see a news report about an apartment fire, remember that those people never thought a fire would happen to them. It can happen to anyone, so be sure you’re protected to avoid a personal financial crisis.

Read Other Blog Posts

People celebrating

Hosting Holiday Parties Responsibly: Tips for Personal & Business Gatherings

While it’s easy to get caught up in the fun, taking some simple precautions can prevent mishaps and protect you from unexpected situations. Here are some practical tips for hosting a safe and successful holiday party, with a focus on being prepared.
Holiday Decorations

10 Tips for Disaster-Free Holidays

From mishaps in the kitchen to accidents involving decorations, a little preparation can go a long way in ensuring your holidays stay merry and bright. Here are ten tips to help you enjoy a safe and disaster-free holiday season.
Map & Passport

Travel Smart: Holiday Safety Tips for Your Seasonal Adventures

Between the packed highways, bustling airports, and unpredictable weather, holiday travel comes with its fair share of challenges; here are some fun and practical tips for staying safe while traveling this holiday season.
Snowy Neighborhood

Protect Your Property This Winter: Tips to Prevent Costly Damage

From frozen pipes to roof collapses, the risks of winter property damage are real for both residential and commercial property owners. The good news? Many of these issues can be avoided with proactive steps that save you money and help keep your insurance premiums manageable.
Family decorating tree

Decorate Safely During the Holidays

While holiday decorations can be fun and beautiful, they can also present fire hazards. To keep your home and family safe throughout this holiday season, consider the following decorating tips.
Thanksgiving Safety Tips

Thanksgiving Safety Tips for a Happy Holiday

Thanksgiving is a time to gather with loved ones, share a delicious meal, and reflect on all we’re grateful for.  To help you celebrate safely and ensure that your holiday is filled with joy, not unexpected mishaps. here are some tips to keep in mind.
Car tire

Vehicle Breakdown Safety Basics

No one ever plans to experience a vehicle breakdown. That’s why it’s important to plan ahead and be prepared in order to handle such a situation safely. Implement the following guidance to ensure you remain safe and injury-free in the event that you get stuck on the road.
Calculator

How Insurers Calculate Premiums

Depending on the type of policy, an insurance premium must be paid monthly, twice a year or annually. Each policy type will have also have a different premium amount based on the coverage and policyholder. It’s essential to understand how premiums are calculated so you can secure the best deal without sacrificing coverage.
Drowsy

Preventing Drowsy Driving

Every year, the National Sleep Foundation organizes Drowsy Driving Prevention Week to raise awareness about the dangers of driving while fatigued.

Visit Our Personal Insurance Page

Personal Insurance

Life is an ever-changing journey, and it deserves a thoughtful, comprehensive plan to protect the things and people that matter most. Our dedicated team at Murphy Insurance is here to assist you in creating that plan. With a wide range of product options at our disposal, we ensure that your plan is tailored precisely to your requirements. Our commitment to providing clear, intelligent guidance to help you achieve true peace of mind. Learn more about our personal insurance portfolio.