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| Your Union apartment insurance should also cover personal liability. Most renters insurance policies will cover all non-auto accidents, including accidents that happen away from your apartment. Let's say that before your bike was stolen, you accidentally hit a pedestrian with it and he or she sued you. You are protected against lawsuits because you have renters insurance. Although coverages vary, $300,000 is standard coverage for personal liability. |
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| Union apartment insurance will protect your property from theft, fire, and other perils. One common myth is that your landlord's insurance protects you. This is false. Your landlord's insurance only covers the dwelling and does not cover your personal property. Another myth is that you don't own that much stuff and that it isn't worth buying insurance. This is also false. Once you make a list of all your belongings and estimate their value, you realize that own thousands of dollars worth of property. The average person has over $20,000 worth of stuff. Surprised? A renters insurance policy will cover your belongings. |
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| Those who do buy the Union apartment insurance can usually get it at a good price and feel secure they're not left exposed to accidents, injury or damage. Renters insurance covers unexpected accidents, injury or damages. |
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| Do not shop for Union apartment insurance by price alone. You want a company that answers your questions and handles claims fairly and efficiently. Ask friends and relatives for their recommendations for a solid company offering renters insurance. Contact your state insurance department to find out whether they make available consumer complaint ratios by company. |
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| Insurance isn't just for people who own a home. You can get the same excellent coverage through a Union apartment insurance policy if you rent a house, apartment, condominium or mobile home. Whatever your situation, you can enjoy complete protection for all your personal belongings. |
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| Union apartment insurance is fairly inexpensive. The average renters insurance policy is a little over $30 a month. How much are all your possessions worth? What if you had to replace them all? |
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| When buying Union apartment insurance, let your agent know about any particularly valuable items you have. Jewelry, antiques, and electronics might be covered up to a certain amount. If you have some items that are unusually expensive, such as a diamond ring, you'll probably want to purchase a separate rider. If you don't talk to your agent about an expensive item when you buy the renters insurance policy, you probably won't be able to recover the loss. |
