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Mosaic Insurance in Prescott Helps First Time Renters with Proper Insurance

Mosaic Insurance in Prescott Helps First Time Renters with Proper InsuranceWhen young people rent their first home, we often hear the question, “Do I really need renters insurance?” Mosaic Insurance, you local insurance agency in Prescott, believes that part of moving into your first rental should be making sure that you have the coverage and protection you need in case of an emergency. We’d like to take a minute and give you some reasons why a renters insurance policy is important to you.

Your Stuff

  • Most landlords have insurance on the physical property and structures, but your contents are not covered. Unless you have some money set aside to cover replacement of your personal possessions in case of theft, fire, flood or other emergency, then you need a renters insurance policy.

What Ifs

  • You also need liability coverage for damages caused by negligence. What if you accidentally leave the water running in the tub and it overflows and damages your neighbors apartment - you could be liable for the repairs, potential lawsuit and more. A renters insurance policy will coverage these expenses and protect you.
  • Another item usually covered by your liability insurance would be if your dog gets loose and bites the little boy playing outside who then needs medical attention.
  • If a visitor suffers an injury in your home, your policy “medical payments to others” coverage will take care of the medical bills, regardless of who is at fault.
  • “Credit card and bank forgery” coverage will protect against some monetary fraud attempts, such as if a burglar steals your credit card or check book during a break-in to run up fraudulent charges or write forged checks.

As you can see, it’s a good idea to protect yourself from all of the things that could happen, even when you’re just renting a home. To get help on renters insurance, or any other insurance needs in the Prescott area, contact one of our insurance professionals to help you with the tough insurance decisions of getting started in life. Just give us a call at 928-457-7374.

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