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Why You Need Renter's Insurance

By Maryl Joop


When it comes to keeping a car clean, there are a lot of things that need to be done. This extensive list irks many people and often results in dusty, smelly, run-down looking cars. Are there simple, easy ways to keep your car clean? Sure! Here are a few tips for all the lazy souls out there that can help you keep your car sparkling.

You may think you are not susceptible to these things, and that you do not plan on causing any damage to your apartment - but the actions of guests in your home or natural disasters may put you in a tight spot if you do not have renters insurance.

Hazard insurance covers physical damages involving your property and possessions. So theoretically if your house were to burn down, your insurance would cover the losses incurred by the event. Most insurance plans have long lists of what they cover, and sometimes people assume that this means they cover everything.

If you have difficulty with the first suggestion, here is another. Strange as it may sound, treating your car like a real person can help a lot. If you've already named your car, so it should be a simple bridge to cross. By thinking of your car as a friend with a personality rather than a cold, mindless machine, you might find a little extra motivation to take better care of him or her. Tap into your human nature and let your compassion benefit your car.

The benefits of having renter's insurance are numerous. For example, if your apartment is destroyed in a fire, you will need another place to stay. The renters insurance can provide this for you and pay for it as well.

Most homeowner's insurance policies come with about $100,000 in liability coverage. However, this number is extremely low when you consider recent court cases. Protect yourself legally by purchasing a policy that insures you for a more realistic amount, around $1 million.

A crowd of children will certainly make sure you know they've been there. You may miss an empty soda can that rolled out of sight one day.

Colonial Insurance in Conway, South Carolina wants you to know that it is not your job to worry about renters insurance - it is theirs. Once you have it, you should not have any worries or second guesses because the guarantee of protection is worth every cent.

Insurance can be confusing at first, but with a little bit of patience, your understanding will grow. Make sure you and your family are protected by being studious and choosing the right amount of insurance.




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