Insurance Myths

Myth #14: I’m self-employed and don’t have employees. I don’t need Workers’ Comp Coverage.
You’re your own “employee”, and you can get hurt, too. How will you support yourself if you get hurt on the job and can’t work? Workers’ Compensation coverage is important even if you’re a one man operation. Make sure you take care of yourself and those who depend on you.

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Renter's Insurance

Why Buy Renter's Insurance?

If you're a renter, you may not think you need insurance at all. (Your landlord already has insurance on the building, right?) But you may not realize that your landlord's policy doesn't cover any of your personal property. What would happen to your belongings if:

  • Your apartment building burned down?
  • A thief broke into your town house?
  • A guest slipped and injured himself in your kitchen?
  • The home you're renting suffered water damage?
Without renters insurance, you've got no coverage for personal property loss or damage. Fortunately, you can get affordable renters insurance (also called apartment insurance) to protect you in situations like these.

Protect Your Belongings

Too often, people think they don't have enough property to make a renters insurance policy worthwhile. But take a minute to think about what you own, and what you've got to lose, including:

  • Clothing
  • Furniture
  • A television or entertainment system
  • A computer
  • An iPod
  • Musical or sporting equipment
  • Jewelry

Need help estimating the value of your belongings?

Try our easy to use personal property worksheet.

Renters insurance provides protection if your personal property is damaged, stolen, or destroyed.

When Does Renter's Insurance Apply to You?

Your renters policy will state exactly what you're insured against. In the insurance world, it's known as "named peril" coverage.

The named perils in your renters policy may include:

  • Fire or Lightning
  • Windstorm
  • Smoke
  • Vandalism or Malicious Mischief
  • Theft
  • Accidental Discharge of Water
  • Nine other common loss types

Your coverage will also include liability protection, which covers injury to another person on your property. If necessary, your policy may even pay for your legal defense in these circumstances.

Additionally, your policy will include medical payments coverage that pays for medical expenses of people who don't live with you, but who are injured on your property.

Get covered. Get a quote for renters insurance today.