Will Renters Insurance Help if My Home’s Robbed?

As a renter, you know unexpected circumstances can happen anytime, anywhere. One of the worst scenarios we can think of is a home robbery. Losing valuables can be a traumatic experience, but having renters insurance from us at AS Insurance Agency in Manchester, NH can provide some relief.

Coverages of Renters Insurance

Our renters’ insurance policies cover different personal property damage, including theft and burglary. When these unfortunate events happen, acting fast and filing an insurance claim as soon as possible is essential. The insurance company will appraise the stolen items’ value and pay out the claim.

Limits and Deductibles

However, it’s essential to remember that renters insurance has limits and deductibles. Our policies come with payout limits for specific items, and we’ll review these coverage limits before you complete your insurance policy. And, like all insurance policies, renters insurance has a deductible that you must pay before the insurance company covers the rest of the claim.

How Much Coverage Do You Need?

When it comes to renters insurance in Manchester, NH, it’s crucial to consider the total value of all your belongings when deciding on the coverage you need. Depending on the value of your possessions and the coverage limit you want, you may need to purchase additional coverage or increase your coverage limit. Some factors you’ll need to consider include the size of your home, the number and types of items you own, and your lifestyle.

Reach Out To Us

At AS Insurance Agency, our team is here to help you determine the right amount of coverage for your specific needs and budget. We’ll work with you to craft a personalized policy that protects what matters most. Contact us today to get started and let us help you secure the peace of mind you deserve.

Do College Students Really Need Renter’s Insurance?

Renter’s insurance may feel like a new idea, but the truth is that you may want to consider having it. Even though you may feel like a poor college student, you may want to consider getting insurance for the following reasons,  AS Insurance Agency in Manchester, NH provides this guide in navigating this important coverage.

Renter’s Insurance For College Students

You are going to have electronics, which can be quite expensive to replace. 

College students often have at least one laptop, along with other electronics. They may have a Kindle or other reader instead of carrying around textbooks. Many have expensive phones, air buds, and other things that they need to have a good life. 

Some even have a lot of gaming equipment, which can really add up. 

Those that play video games often have more than one laptop. They may have expensive keyboards, controllers, headphones, and more. Some have more than one gaming system! 

You may have an expensive wardrobe. 

Many teenagers have quite a wardrobe, which they take with them to college. They may buy some of the best pieces when they have some extra money to burn. 

Give Us A Call

If you are a college student, you may have more possessions than you realize. You may have a laptop and other electronics, along with some gaming systems. You probably also won’t leave your extensive collection of clothes at home either! All of this can add up quickly, making it important to have renter’s insurance. If not, you may have to pay to replace all of these items, which is probably out of your price range! 

If you want to make sure that your possessions are protected, you need to make sure that you have enough coverage. In order to make sure, contact us today at AS Insurance Agency in Manchester, NH.

4 Important Benefits Of Renters Insurance

AS Insurance Agency provides coverage to the Manchester, NH community, as well as the surrounding areas. We strive to help our clients find the right policies based on their individual needs. Life often brings unexpected changes. We want to make sure that you are covered regardless of the situation.

Benefits of Renters Insurance

Renters insurance helps you protect the assets inside your Manchester, NH property. You are covered if something happens to your valuables. You are also covered if someone gets injured while visiting your property. Here is a closer look at the benefits of renters insurance.

Covers Your Personal Belongings Away From The Property

If you are going on vacation, you can have peace of mind that your personal items are covered if something happens to them.

Alternative Living Expenses

Accidents can happen at any time. Perhaps a fire or another type of natural disaster causes significant damage to your property. While your rental property is being repaired, you can rely on alternative living coverage to protect you. Alternative living coverage assists you as you find another place to stay until your property is repaired.

Liability Coverage Extends To Your Loved Ones

Liability coverage protects you if you cause damage to someone else’s property. You’re covered if an accidental fire starts in the kitchen while you are cooking, and it spreads. Perhaps your rental property has drainage issues that leak into your neighbor’s unit. You are covered in these scenarios. Liability coverage also protects you if your children or pets cause damage to someone else’s property.

Luxury Items Are Covered

If you have luxury items at your rental property, you can amend your policy to cover if they are vandalized or possibly stolen.

AS Insurance Agency Will Help You Protect Your Assets

Visit our website to learn more information about renters insurance.