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Atrium Insurance Group

6970 S Holly Cir #104
Centennial, CO 80112

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Why Renters Insurance is a Must

Whether you are renting a home, an apartment, a condo, or anything else in between, you’ll want to have a renter’s insurance policy to protect your personal belongings. Your landlord may even require that you have a renter’s insurance policy before turning over the keys of the unit to you. Contrary to public opinion, your landlord’s insurance policy will pay for damage to the actual unit itself, such as the foundation, the roof, and their personal belongings inside it, but it will not cover anything that you own, nor will it provide liability protection. 

While many renters choose not to purchase insurance because they feel it is too expensive, the reality is that it is likely to be significantly cheaper than your rent. If you were to add up all your personal belongings to include electronics, clothing, furniture, and more, it is highly likely that the total figure will be far higher than you could expect. Failing to have renter’s insurance means that you’ll be on the hook for replacement if your belongings are damaged in an incident. With renter’s insurance, you’ll have coverage to repair or purchase new items at no or little cost to you. Additionally, if a visitor or friend slips and falls while at your rental, your renter’s insurance coverage will help pay for their medical bills and any other fees in the event that you are sued. 

At the Atrium Insurance Group in Centennial, CO, we can help you understand the pros and cons of renter’s insurance so that you make an informed decision. We’re sure that you’ll agree with us when we say that renter’s insurance is a must for Colorado residents. Give us a call today to learn more!