What If I Can’t Afford Apartment Insurance?
Once in a while, we get this question. In this case, someone with San Jose, CA Renters Insurance asked, “What if I can’t afford apartment insurance?”
It’s a common question, but it’s actually not a common problem. The reason for that is that apartment insurance is incredibly inexpensive. We realize that budgets are tight and that every penny counts, especially with the current cost of things like health insurance. That’s not lost on us, for sure. But apartment insurance is a very affordable way to protect yourself and your family.
The average cost of apartment insurance in San Jose is about fifteen dollars a month. That’s about fifty cents a day. It’s really the least expensive thing you can to do protect yourself. But the actual question is what if you can’t afford apartment insurance? What happens?
Landlord Insurance Offers No Protection
Your landlord’s insurance offers no protection of any kind for you. Period. Your personal property is not protected, you’re not covered for liability, and you’re not covered for additional living expenses by your landlord’s insurance or your landlord. Your landlord’s insurance does not cover you, even if you can’t afford apartment insurance.
Without renters insurance, you have no coverage against any risk of exposure of any kind.
You Can Be Held Responsible For Other Peoples’ Losses
If you cause a loss such as a fire, or even if you hold the door open for someone who shouldn’t be in the building and there’s a theft, you can be held responsible. If you can’t afford apartment insurance, you could be paying for that loss for the next few decades. Which one is cheaper? Definitely having renters insurance!
Losses Caused By Others Are On You To Resolve
If the neighbor has a fire, or if the neighbor is running a drug lab, and there’s a loss, it’s on you. Do you want to pay for a hotel after that fire that you didn’t cause? What about all of the other expenses that come with it? If you have apartment insurance, you’re covered for those losses whether or not you’re responsible for them. One of the reasons that renters insurance is so important is that you’re never sure what your neighbor is up to or how it will impact you.
You can afford apartment insurance – it’s less expensive than you think, and there are convenient payment plans available. To find out more, or to get covered, just call (800)892-4308 or click to get covered - whether you need San Jose renters insurance quotes online or coverage anywhere else!
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