The holidays are the time of year for family, festivities, and food, but, unfortunately, they can also come with their own set of issues. I’m not just talking about Auntie Judy’s infamous Jell-O mold either. The holiday season is a prime time for burglaries, slip-and-falls, kitchen disasters, and other unpleasant scenarios. When you’re a renter, it can seem like many of these things wouldn’t be something that you need to worry about, but that’s where you’re wrong. Your landlord is only obligated to the terms set forth in your lease. If you haven’t read the fine print well, this might mean that an unfortunate incident such as those listed above could leave you with a heap of unexpected responsibility. That’s why getting renter’s insurance for your apartment is an absolute must, not only this holiday season, but throughout the entire year.
In the instance of a burglary, you can be left reeling, angry, and confused. Add onto that the extra added stress of trying to figure out how you are going to replace the items taken from your rental apartment, and it can be the recipe for a perfect storm. Renter’s insurance will take care of that part for you. After you’ve met your deductible, renter’s insurance will kick in to replace the full cost of any additional items that were taken. Not only that, but if you plan on traveling for the holiday, it can help you there too. Oftentimes, renter’s insurance policies will replace any personal items that are taken from your vehicle as well.
A beautiful expression of the holiday spirit in your rental apartment is the addition of holiday lights. While they are certainly pleasing to the senses, incidents of house fires skyrocket during the holiday season, mostly due to poor wiring, overworked outlets, or unattended candles. Don’t get caught ablaze this holiday season! In the unfortunate event of a house fire, your renter’s insurance will have you covered, replacing the full value of any loss you incurred (after the deductible has been met) as a result of the incident.
One of the best parts of the holiday season is spending time in the kitchen, creating delicious dishes to share with your friends and family. That being said, the kitchen is also a notorious hub for holiday hazards. Grease can build up on stoves and microwaves, causing unexpected fires. Floods can occur from overworked dishwashers or rusty pipes that weren’t quite prepared to handle the onslaught of holiday fun. While your landlord’s property insurance will typically cover any damages to the property and necessary repairs, the only way that you will get reimbursed is through a renter’s insurance policy. You can’t really live in a rental apartment without a kitchen, and some policies will even cover the cost of hotels should your space be deemed uninhabitable for any period of time.
Cold weather, snow, and ice can leave the entrance to your rental apartment a little bit slippery. Additionally patios and other outdoor spaces can become dangerous quickly without you even knowing it (as sometimes ice can be relatively invisible until it’s too late). Renter’s insurance also protects you here, providing you coverage should you or any of your guests have an accident on the property that results in the need for medical attention.
It’s Extremely Inexpensive
Lastly, you should invest in renter’s insurance for your rental apartment this holiday season because there’s really no reason not to. Renter’s insurance is extremely affordable, typically running from $12 to $20 per month, depending on the level of coverage you opt for. It is certain to offer you peace of mind this holiday season and throughout the year, knowing that, should anything go wrong, your belongings are fully covered.
Looking for a Rental Apartment in Hattiesburg or the Surrounding Areas?
As you can see, having renter’s insurance on your apartment has a lot of incredible benefits without much of a downside. Now that you are well-informed on why it’s so important, it’s time to start searching for the right apartment to insure! At Apartments Hattiesburg, we’ve scoured Hattiesburg and the surrounding areas to put together a database full of quality properties in amazing locations offered at affordable prices for every budget. If you’re ready to make a move, don’t wait any longer. Take a look through our database of available rental properties today and reach out to one of our team members to get your search started. We can’t wait to help you ring in the New Year in your new place!