Renter’s Insurance: Luxury or Need?

Renter’s insurance has much to offer individuals who are renting a home or apartment. Renter’s insurance can save you a substantial amount of money by protecting personal goods from theft, damage or loss. Here are just a few of the many benefits you stand to gain from a renter’s insurance policy from Benefit Insurance Services in Myrtle Beach, SC. 

Personal Belongings

With renter’s insurance, you can recover the cost of repairing or replacing personal goods that have been stolen, damaged or lost due to flood, fire, vandalism or other covered peril. Renter’s insurance can cover such items as clothing, jewelry, electronics, furniture, home appliances, linens, dishes and more.

If you own a fair amount of goods, renter’s insurance should be a priority. Without insurance protection, you would have to pay for repairing or replacing personal goods on your own. Creating an inventory of your belongings will make it easier to file a claim when you have a need.

Accidents

If a friend or relative has an accident while visiting your apartment, renter’s liability coverage will help pay for their medical care, relieving you of the responsibility of covering this expense on your own. The more visitors you have to your property, the greater the risk of accidents. Renter’s insurance will even cover medical treatment for dog bites if your pet gets out of control.

Temporary Dwelling

In the event of a disaster that forces you out of your apartment, renter’s insurance will help pay for the cost of the temporary dwelling such as a hotel, meals and living expenses until your apartment is repaired and you can return home.

The many benefits of renter’s insurance make it a worthwhile investment in protecting your assets. Learn more about coverage options and costs by contacting your Benefit Insurance Services agent in Myrtle Beach, SC.

 

How To Upgrade Your Kitchen In A Rental

Living in Surfside Beach can seem like a dream come true. When you live in a rental, you don’t have quite the same freedom as you would if you are a homeowner. However, there are quite a few ways to upgrade your kitchen if you don’t mind being a little creative.

Add Storage

Storage always seems to be limited in a rental. You can add shelving in a pantry as well as organizers inside the cabinets and drawers. You may also want to think about hanging your pots and pans – which can create a lot of room inside the cabinets where they had been.

Beautify

Much can be done to improve the overall aesthetics of your kitchen, regardless of how much space you have. Get creative with such things as:

  • Peel and stick tiles for the floor and backsplash
  • Art on the walls to hide issues
  • Area rug in the kitchen
  • A fresh coat of paint for the walls
  • New lighting fixtures
  • Fruit in a bowl
  • Flowers in a vase

Just because you’re not going to live there forever doesn’t mean you can’t love where you live right now. Depending upon your rental, you can even think about changing the drawer pulls and cabinet handles and maybe even upgrading fixtures on the sink.

Talk to Your Landlord

Your landlord may be willing to do a few things. They may either allow you to do what you want or they may pay for some of the repairs and upgrades. Check the local laws as well, especially if there are major issues and your landlord doesn’t want to do anything for you.

Contact us at Benefit Insurance Services today to learn about what kind of renter’s insurance is available. We’re here to help you get a great policy in Surfside Beach.

 

 

3 Things to Know About Renters Insurance and Roommates

Sharing an apartment or house with a friend is a great way to save money and consolidate resources. However, it is important to make sure everyone has the right level of insurance coverage in case of a fire, theft, or other incident.

Here are three things to know about having a roommate and purchasing renters insurance.

#1: Having Separate Policies is a Good Idea

Most carriers do allow up to two non-related adults to be on a single policy. However, this isn’t always a good idea. If you have to file a claim for any reason, both of your names will be on the claims check together and you will have to both sign to cash it. In situations where roommate relationships suddenly go rocky, this can be a huge problem. In addition, things can get messy if one roommate moves out or has a large liability claim. Thus, having separate policies is wise.

#2: Damage by a Roommate is Usually Not Covered

When discussing renters insurance and roommates, it is important to note that intentional damage by the person you live with is usually not covered under the policy. This means that if the two of you have a falling out and your crazy roommate decides to destroy or steal your stuff, your renters insurance policy will most likely not cover the cost of replacement.

#3: Many Landlords Require Coverage

Another thing to remember is that many landlords require coverage for anyone on the lease. This means that both you and your roommate could have to show proof of an in-force renters insurance policy before moving into your new place.

Learn more about renters and other policy types by speaking with our knowledgeable team at Benefit Insurance Services.

We Can Help You Insure the Items in Your Surfside Beach, SC Apartment

If you rent a place in Surfside Beach, SC, we at Benefit Insurance Services can help you protect your belongings with renters insurance. Our independent insurance agents have helped many residents in South Carolina, and they’re ready to assist you. If you’ve never purchased renters insurance, the entire process takes only a short while. Here’s how we can help you quickly find a policy.

Considering Personal Property Coverage

Personal property coverage isn’t the only coverage that’s available through renters insurance policies, but it’s one of the most significant ones. Personal property coverage is meant to protect the things you own. Specific protections vary, but it’s meant to cover everything from your inexpensive belongings, like your toiletries, to your valuable possessions, such as your electronics.

Looking at Renters Insurance Policies

At Benefit Insurance Services, we can help you look at renters insurance policies that include personal property coverage. When helping you shop around for a policy, our agents will discuss how much coverage you want, which should be determined by the value of your possessions. They’ll then get quotes for policies that include that amount of protection.

Our independent insurance agents work for us, rather than an insurer, which gives them the freedom to look at policies from every insurer in South Carolina. In just a few moments of research, they can show you several different policies that include the personal property coverage you need. You, of course, will be able to decide which policy you’d like to purchase.

To reach one of our insurance agents, simply send us an email. You can reach us through our website. One of our independent insurance agents will respond to your inquiry quickly.