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Why you should have renters insurance in New Jersey

New Jersey is a great place to call home. In New Jersey, 37% of residents are renters. That is a lot of people who should be carrying renters insurance. Unfortunately, more than half of them aren’t, which is risky. If a hazard destroys your rental, and you have no insurance, you can lose everything you own. That is reason enough to consider getting renters insurance. At Sandra Saunders Agency LLC in Delran, NJ, we are an independent agency that means we have various carriers we can search for the best insurance for you. 

It would be best if you had renters insurance in New Jersey for these excellent reasons. 

Your landlord doesn’t have insurance to protect you

Many renters are under the impression their landlord has insurance to protect them if the unit is damaged. This is not the case. Your landlord only has insurance on the building, not your possessions. They don’t have liability insurance for guests to your unit either. 

It would be best if you had to replace your possessions.

Everybody these days owns a lot of stuff. Imagine having to replace everything you own all at once. Your clothes, your entire kitchen, electronics, furniture, linens, decor, everything you own. It is overwhelming to think about. Renters insurance would take care of this for you financially. 

Liability coverage

If you have a dog or if you ever have visitors, you could be on the receiving end of a lawsuit. About 10% of people are every year. Legal actions can get very expensive, and having a lawyer to defend you is not cheap. Liability insurance is something everyone should have. 

Loss of use

If your rental is damaged, you will need to find a place to stay. With the loss of use insurance, you will have the money for a hotel and a short-term rental. 

Contact Sandra Saunders Agency LLC in Delran, NJ to find out more about renters insurance. 

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