‘Tis the season, but not just to be happy and jolly. There are risks to this time of year that you don’t find the rest of the year. It’s not just theft of presents you need to be worried about.
This is also the season to be thankful for Denver Renters Insurance. One family called us up just the other day, not even sure if they were still covered because they had paid for the year when they moved in and forgotten entirely that they even had renters insurance.
They had lit a few candles to set the mood while they were decorating their Christmas tree, stepped out of the room for just a moment to get their camera, and one of their cats managed to knock a candle directly into the freshly decorated Christmas tree. One apartment fire later, the family is standing outside calling from a cell phone, distraught, praying they have the coverage they thought they did.
Candles and Christmas trees are never a safe combination, of course, but this family is able to celebrate Christmas with a roof over their head knowing their things are in the process of being replaced and that they’ll be able to start over from the same position they were in.
Their renters insurance claim started out with approving a voucher for them to stay in a hotel. This meant that they had a place to go the night of the fire, and a place to stay while they were getting another apartment in the same community and while they were working to replace enough things that they could move in. That loss of use coverage also was able to help with some basic necessities like toothbrushes, to make sure that their lives weren’t further disrupted.
As they prepare to move into a new home, they have things to move in because of their personal property coverage. Not only are things like their beds and clothes being replaced, but Christmas gifts are being replaced as well. This is all part of the personal property replacement cost coverage that they had. Even without receipts, Christmas gifts are easy to replace because they’re on your most recent credit or debit card statement.
The fire was, in all honesty, due to their negligence, candles and Christmas trees being a bad combination. With that in mind, the building owner’s insurance is paying for the building. That insurance will then look to the family to pay what those costs. The family’s renters insurance in Denver will pick up those costs when the other carrier subrogates. The family’s renters insurance also pays to defend the family against those claims, and to settle or litigate the claim should that be necessary.
All of this protection cost this Denver family about fifteen dollars a month, or around $180.00 for the year that they paid for in advance. It took them just sixty seconds to buy the policy. The whole process was so easy they forgot they had the coverage, right up until they needed it and it was there to save Christmas. To find out how easy and cheap renters insurance can be, just call (800)892-4308 or click to get covered - whether you need Denver renters insurance quotes online or coverage anywhere else!
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