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When you don't own your home, you may think your landlord will protect you in the event of a fire, theft, or another mishap. The truth is, they only have to cover things within the dwelling that were there before you moved in, such as furnace repair, appliance replacement, or necessary maintenance. If something were to happen, such as a break-in or fire, you could lose all your belongings and have to replace them out of pocket. You can avoid this by getting renters insurance. It protects you and your precious items just in case something happens. Contract Coverage Your renters insurance can protect you in many ways when it comes to your contract with your landlord, especially if you are unable to pay your bills on time. Your protection can include funds for a few months' payment so you don't fall behind on your agreement. This protection also protects you as a tenant in case your landlord ever refuses to fix particular problems with your residence or fails to honor his or her end of the contract. If they try to evict you, you have added legal benefits. Theft or Fire Protection If a fire breaks out in your residence, your landlord will pay for the costs to repair any damage to the property. They will not replace your things or offer to put you in other housing. If someone breaks into your house or apartment, any physical damage to your home will be fixed by the landlord, but they do not have to replace what was stolen. With renters insurance, you can protect your belongings and have the funds available to find temporary housing. The same goes for your car. If it gets broken into or damaged while on the rental property, renters insurance will cover replacement and repairs. Check to see with your agent if this is an option you can have. Your landlord should be able to provide you safe parking as well to help prevent break-ins or theft of your vehicle while you live on their property. Having renters insurance is the best way to protect yourself when you do not own your property. Not only do you have the reassurance that your landlord will take care of your residence, but also you'll protect your belongings in the event of natural disasters and theft. The best thing for you to do is to see what your options are for this kind of coverage from an agent. Let them know the type of items you have and what their overall value is so they can best assess the cost of your overall protection. It is often cheap and gives you the peace of mind you need no matter where you live. When considering renters insurance, New Jersey residents visit Muller Insurance. Learn more about them at https://www.mullerinsurance.com/renters.cfm.
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