If I Have Fire Sprinklers, Do I Still Need Renters Insurance In Colorado?
You live in a recently constructed apartment building, and it’s got every safety feature you can imagine. It’s gated, controlled access to buildings, fire sprinklers, all the standard things are there. So now you’re wondering if you still need renters insurance in Colorado because you have all of these safety features.
Fire Sprinklers
Fire sprinklers save lives, there’s no question about it. They buy you extra time to get out of the apartment, especially if you happen to be sleeping, for example. They give you a chance to make sure your family gets out with you. What they do not do is stop all fires dead in their tracks. Fire sprinklers are mitigation, not prevention.
That’s why you need Colorado Renters Insurance. Since fire sprinklers are designed for life safety, not property safety, they don’t prevent the fire from spreading and consuming everything you own. Your policy, however, will replace those items so that you can get back to the condition you were in before the loss occurred.
Gated Community
If you live in a gated community, that doesn’t mean you don’t need renters insurance. Someone could slip in behind a person who belongs there. Someone could climb the fence. A guest of someone who belongs there could even be a risk. Gated communities are a benefit, but they’re not a cure-all that allows you to be careless.
Having renters insurance makes sure that if someone gets in who shouldn’t, that you can be made whole.
Controlled Building Access
This is one of those things that sounds like a great idea, but isn’t much help in practice. Human nature is to be nice to the guy behind you and hold the door for him. That makes controlled access buildings much less secure. You have no idea who someone just let into the building, and you have no idea what mischief they may be up to.
No matter how good the security features of your community may be, you don’t live in a fortress. You still need renters insurance in Colorado. It’s just a fact of life. Fortunately, renters insurance is cheap! The average Aurora, CO Renters Insurance policy is around fifteen dollars a month, which fits neatly within most budgets.
It’s also easy to get covered. You can get a policy online in just sixty seconds or call and work with a renters insurance expert who can take the time to discuss the coverage you need and who can make sure you get both the best policy and the best value. Just call (800)892-4308 or click to get covered - whether you need Colorado renters insurance quotes online or coverage anywhere else!
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