The purpose of insurance is to protect from the unexpected. When renting an apartment or home, people often fail to protect their most prized possessions. If something were to happen to your rental property and you did not have insurance, this could open a door for lawsuit against you. Read this true story about Stacie ( not real name); her story is proof that the unexpected could happen at any time.
Stacie was an ambitious young woman who graduated with her doctorate from a prestigious university and she was newly engaged. To celebrate these joyful events, a BBQ was thrown on Stacie’s behalf at her apartment. One of the coals from the grill fell onto her wooden balcony and started a fire. The fire spread and eventually burnt down the whole apartment complex. Because it was Stacie’s apartment and she had no insurance, a judgment was filed against her and she was forced to file bankruptcy. The file for bankruptcy caused Stacie’s credit to suffer enormously, and due to the debt she obtained, the parents of her fiancé advised him to not put off marrying her due to the debt she obtained. Stacie also learned the hard way that after your name is associated with bad credit, it is difficult to find a job.
Stacie never thought something like this could happen to her, but something like this can happen to any of us. Think of how different Stacie’s life could be had she simply purchased renters insurance; it pays to be protected. If Stacie would have paid as little as $20 a month, she would have been covered, and the outcome would have been different. You protect for the tragedies you hope will never occur, but you have to understand, they do occur.
The Szeszulski Agency offers extraordinary coverage for renters; we like to meet your needs and protect your most valued possessions. Features of out policy include:
§ Optional endorsement coverage for personal property covered on replacement cost basis ( no deduction for depreciation).
§ $1,000 coverage for loss of jewelry, watched, furs precious and semi- precious stones by theft.
§ $3,000 coverage for computer hardware, software, personal or business
§ $1,000 for business property on or away from premises.
§ 2,500 for loss of silverware, silver-plated ware, goldware, gold-plated ware and pewter ware by theft.
§ $2,500 for loss of guns by theft.
§ $1,000 coverage for watercraft, including trailers, furnishings and outboard motors.
§ $1,000 coverage for trailers not associated with watercraft.
Hazard Protections Includes:
§ Fire/Lightening
§ Aircraft
§ Vandalism
§ Vehicles
§ Theft
§ Windstorm/Hail
§ Glass Breakage
§ Water Discharge/ Overflow
§ Explosion
§ Smoke from hostile fire
§ Riot/ Civil Commotion
As a renter policy holder, your protection package also includes:
§ Medical payments to others up to $1,000.
§ Physical damage to property of others up to $500.
§ Personal liability protection anywhere in the world.
§ Legal defense.
§ Loss of use.
The Szeszulski Agency offers diversity in their coverage. It covers for instances as small as clothes being stolen out of your car to tragedies as large as Stacie’s apartment burning down. Prepare for the unexpected. Your future may depend on it.
