Bankrate recently released a study that says that, while paychecks are increasing slowly, emergency funds are not. Twenty-nine percent of Americans reported they had no emergency savings of any kind. That’s right, almost a third of families have not a single penny to fall back on. Most people couldn’t come up with even $1,000 for a major unexpected expense. This means that self-insuring, or hoping that your savings are enough to recover from a loss, is just not a viable option for most people. The funds to cover the loss simply aren’t present in most cases.
Cost Of A Weather Loss
Why is San Antonio renters insurance expensive? Because San Antonio is far enough south to have some exposure to the coastal weather risk. You won’t get hammered by a hurricane the way folks in Galveston or Corpus Christi might, but you stand a good chance of having some impact. Flooding is never covered by any kind of renters insurance, it’s a separate type of insurance, but wind losses often are covered.
If the wind blows a rick through your window and allows the rain to come in, that’s not a flood loss. That’s a wind loss. Think about the cost to replace all of the electronics in your living room, along with all of your furniture. You’ll be replacing them at retail price, because you don’t want used stuff – you want new, like what you had. Could you go to the store and drop five or six grand in a single shot just because of a little storm? That’s expensive.
Cost Of A Fire
In an apartment, fire spreads quickly. That also means your neighbor’s fire spreads quickly to your apartment. The NFPA states that the total economic loss cost of fire in the United States is $14,900,000,000 – that’s nearly fifteen billion dollars a year. There are other costs as well, of course. What’s the cost to you to purchase everything you own all over again?
Remember that even if the fire is put out, everything is likely to still be a loss. Smoke and water will take what the fire doesn’t take. You can’t afford to buy everything you already own – San Antonio, TX Renters Insurance prevents you from having to pay those costs out of your own pocket.
Cost Of A Theft
If there’s a break-in, the cost of a theft is high. Since you’re in an apartment, you’re not responsible for repairs to the building where they forced entry, but you are responsible for the things you lost. People typically undervalue their contents. In just seconds, a burglar can get your TV, a tablet or two, a DVD player, your streaming device, a computer or two, and more. The total cost to replace all of that new is in the thousands of dollars. Can you afford that?
Is San Antonio Renters Insurance Expensive?
Nope! Compared to spending thousands of dollars recovering from a loss, San Antonio renters insurance is downright cheap. Even compared to other things, San Antonio, TX Renters Insurance is not expensive. It starts at about fifteen dollars a month. That’s the cost of having a pizza delivered. A handle of bad whiskey costs fifteen bucks. A movie ticket costs the same. You can’t even buy a hardcover book for that.
What you can buy for about fifteen bucks is the affordable renters insurance that will protect your family. It’s fast, too. You can be covered in just sixty seconds. All you have to do is call (800)892-4308 or click to get covered - whether you need San Antonio renters insurance quotes online or coverage anywhere else!
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