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Muni Insurance, inc.

Muni's Blog

5 good reasons to buy Renter's Insurance

Posted on February 17, 2018 at 9:10 PM

1.  It's affordable.  

The average Renter's insurance policy costs about $187 per year which is about 51 cents per day.  The average cost is based on factors such as where you live, how much coverage you desire, etc.  Adding a renter's policy to your existing Auto policy is almost equivalent to what you spend on your towing, glass & rental coverage.  

2.  It covers losses to personal property.

What happens to all of your belongings if there is a fire? A renter’s insurance policy protects against losses to your personal property, including clothes, jewelry, luggage, computers, furniture, and electronics. Even if you don't own much, it can quickly add up to a lot more than you realize – and a lot more than you'd want to pay to replace everything. 

Renter's policies protect against a surprisingly long list of perils. A standard HO-4 policy designed for renters, for example, covers losses to personal property from perils including:

Damage caused by aircraft

Damage caused by vehicles


Falling objects

Fire or lightning

Riot or civil commotion



Vandalism or malicious mischief

Volcanic eruption

Weight of ice, snow or sleet

Windstorm or hail

Damage from water or steam from sources including household appliances, plumbing, heating, air conditioning or fire-protective sprinkler systems


3.  It provides liability coverage

Liability coverage is also included in standard renter’s insurance policies. This provides protection if someone is injured while in your home or if you (or another covered person) accidently injure someone. It pays any court judgments as well as legal expenses, up to the policy limit.

4.  It covers your belongings while you travel

Renter's insurance covers your personal belongings, whether they are in your home, car,or with you while you travel. Your possessions are covered from loss due to theft and other covered losses anywhere you travel in the world. Check your policy or ask us for details on what constitutes "other covered losses."

2017 Example of this coverage:   We had a client returning from a road trip with her family.  They were extremely tired upon returning from their road trip and left their suitcases in their car.  Their car was stolen that night.  Their renter's policy covered all of their personal belongings even though the belongings were not in their home.  

5.  It may cover additional living expenses.  

Imagine there is a fire in your apartment and now you have nowhere to go. If your home becomes uninhabitable due to one of the covered perils, your renter's insurance policy may cover “additional living expenses,” including the cost associated with living somewhere else temporarily, food and more. Check with your policy to find out how long it will cover additional living expenses, and if it caps the amount the company will pay.

Bundle your Auto with Renter's Insurance....not only will it be affordable, but offer peace of mind at a very low price.  Contact one of our agents (203) 527-3669


Categories: Renter's Insurance, Home Insurance, Discounts

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