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Whether you rent an apartment, home, or condo, you need to buy renters insurance to protect yourself and your belongings. Fortunately, renters insurance in Tennessee is relatively cheap - and you can make it even cheaper with some careful shopping. Keep Your Price Down Renters insurance is typically only a couple hundred dollars a year, and yet 75% of Tennessee renters don’t have renters insurance. Many renters think they are already covered under their landlord’s policy or that they don’t own enough to warrant buying insurance. The truth is, a landlord’s policy doesn’t cover your personal possessions. And if you take an inventory, you’ll discover you have more possessions than you realized. To help you save even more on your Tennessee renters insurance, follow these tips: * Set your deductible as high as you can afford. A high deductible means you'll pay more if you ever have to make a claim, but your monthly premium will be significantly lower. * Ask about discounts. Your insurance company may give you a discount if you insure both your car and home with them. They may also offer discounts if you're a senior citizen or a non-smoker, and if your home has safety features such as security systems, smoke alarms, and deadbolt locks. Shop Around for the Cheapest Rate When you shop for renters insurance, be sure to get quotes from several insurance companies. The easiest way to do this is to go to an online insurance comparison website. At the insurance comparison website, you'll complete a form with information about yourself and your insurance needs, as well as information about the place you're renting. Then you'll receive quotes from multiple insurance companies and can choose the company with the best rate. If you have any questions, the best insurance comparison websites offer an online chat feature so you can get fast, accurate answers from insurance professionals (see link below). Visit http://www.LowerRateQuotes.com/renters-insurance.html or click on the following link to get Tennessee renters insurance quotes from top-rated companies and see how much you can save. You can also get more insurance tips there. The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written numerous articles on renters insurance in Tennessee.
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