renters – Susman

Wake. Workout. Eat. Shower. Coffee. Makeup. Hair. Coffee. Clothes. Drive. Coffee. Work, Work, Work, Work. Eat. Work, Work, Work, Work. Drive. Eat. Makeup. Hair. Clothes. Drive. Socialize. Eat. Drive. Sleep. REPEAT. (sometimes I forget about the whole eating and sleeping thing)

That is just a ‘normal’ day. That doesn’t include my to-do list.

Life is full of schedules, activities, appointments, routines – and then some. If you are like me, then you know that slowing down is not an option. I am working hard to build a career for myself and attempt to have something that resembles a social and love life. I don’t have time to stop and a read bunch of paperwork or add additional appointments to my schedule. I don’ want to be bogged down with information that is overly technical and that doesn’t give me exactly what I need in a few short bullet points or paragraphs. When I need to get something done, I want to do it in the most effective and efficient manner possible. Time is the most precious commodity. MY most precious commodity. I don’t want it wasted.

When it comes to purchasing an insurance policy, I need to know that whether it is for auto, home, earthquake insurance, flood insurance, jewelry, renters, condo, house, life, or health insurance the entire process with be efficient, knowledgeable, and straight to the point. With our business, online, over the phone, or in person – purchasing the insurance YOU need insurance has never been easier. There are numerous methods to find quotes and purchase inventory – online, over the phone, thru an app, and even in person (GASP!). With so many options, there really isn’t a time excuse. You can choose what will best fit in to your schedule. I mean, I can choose what will best fit in to my schedule.

I know the importance of having the proper insurance coverage, which means I also know I need to make the time to get it!

I am busy. You are busy. Let Susman Insurance Agency do the work for you, so you can use your time for that crazy-busy schedule.

Are you currently renting an apartment? If this is the case, and you don’t have renters insurance, you are making a very big mistake. Not only is it a “must-have” in terms of insurance, it is quite inexpensive.

The Basics of Renters Insurance

Simplicity is one strength of renters insurance. As opposed to the complications of insuring a house – as well as the cost – insuring your apartment property is rather straightforward. Here are some common areas of coverage with renters insurance:

Personal property
Personal liability coverage
Relocation assistance (if you are forced to live somewhere else, permanently/temporarily)
Others, such as off-premise coverage and identify theft coverage, even

Note that you can choose to add on increased coverage, to give you even more protection. Even with some of the following, as we will find out, the price is still quite reasonable:

Replacement Cost Coverage: Your three-year old big-screen TV isn’t worth $900 anymore, but you do want a new big-screen TV.
Scheduled Personal Property: If the st andard limits for jewelry, fine arts and furniture isn’t enough, for instance, you can add to it here.
Business Coverage: If you can run a business from your apartment, you’re probably not covered unless you add protection.

Benefits of Renters Insurance

Are you protected from theft, fire, or your neighbor’s leaky faucet? If you don’t have renter’s insurance, you could be in for an unfortunate surprise.

The necessity of renters insurance is thus seen in these instances. And note that while your l andlord should have insurance, it will certainly not protect you in many instances. In other words, living without renters insurance is rather dangerous.

It is all-the-more imperative due to its cost. When you compare it to home and auto insurance, for instance, renters insurance is a mere speck in the insurance world. The facts certainly prove this.

According to the National Association of Insurance Commissioners, the average premium runs as little as $15 – $30 a month. It is not common for a policy to run slightly less or more than $200. Even additions such as increased jewelry protection and identify theft coverage would l and a policy in the $300 – $400 range for a year (source).

Imagine the scenarios that could occur. Certainly, if you are a renter, renters insurance becomes an important policy to purchase. It could be the only thing that st ands between you and financial security for your items and your “home.”

Karl Susman, Susman Insurance Agency

So Little Time

So Little Time

Renters Insurance – A Must Have for Renters

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