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The Most Common Mistakes People Make With Their Renters Insurance

Renting a home comes with many responsibilities – from ensuring the rent is paid on time to keeping the property in good condition. And one of the most important responsibilities is to have adequate renters insurance. Unfortunately, many renters make some common mistakes when it comes to their insurance policies. Consult with VIP Insured in Bellevue, WA for expert insurance advice.

Here are some mistakes for you to avoid: 

1. Not Getting Enough Coverage

One of the most common mistakes people make is not getting enough coverage. Your renters insurance should cover your personal belongings and any liability risks you may face. Make sure to speak with your insurance agent to determine how much coverage you need.

2. Not Updating Your Policy Regularly

Your renters insurance policy is not a one-time purchase – it’s something you need to keep up with over time. As your life changes, so too should your policy. If you move to a new apartment, get married, or have a child, be sure to let your insurance agent know so they can adjust your coverage accordingly.

3. Not Reading the Fine Print

It’s important to read through your policy carefully so that you understand what is and isn’t covered. There may be some exclusions you’re unaware of, so it’s best to know before you file a claim.

4. Not Shopping Around

When it comes to insurance, it’s important to shop around and compare rates. Just because you’re happy with your current policy doesn’t mean you can’t find a better deal elsewhere. It’s worth taking the time to compare quotes from different insurers to make sure you’re getting the best possible rate.

5. Making Assumptions

Never assume that your policy covers something – always check with your policy documents or your insurance agent. For example, many people assume that their belongings are automatically covered if they’re stolen from their car. However, this isn’t always the case – in some instances, you may need to purchase additional coverage for items that are stolen from your vehicle.

Give Us A Call

Avoiding these mistakes ensures you’re getting the most out of your renters insurance policy. If you have any questions about your coverage, or if you’re ready to shop around for a new policy, VIP Insured in Bellevue, WA can help. Contact us today to get started.

How Renters’ Insurance Works

Renting a home requires protecting yourself with a renters’ insurance policy. These policies offer a number of different kinds of coverage that are all included in one policy. To keep yourself protected with a renters’ policy, give us a call now at VIP Insured in Bellevue, WA.

Protect Your Belongings

Renters’ insurance includes protection for your possessions that are inside your rental. This protection helps you to replace or repair your items when a covered event happens that damages them. Without this coverage, it would be extremely expensive to try to replace all of your items on your own. This coverage allows you to get back to your normal life much faster. 

Covering Your Liability

Even if you are renting your home, you can be liable if someone has an accident there. You can be found at fault for an accident in which someone was injured inside your home, and this means you would have to pay the medical bills that resulted from it. Without renters’ insurance, it could be extremely difficult to come up with the money to pay these medical bills. Medical expenses rise fast, and you don’t want to be responsible for paying them for an accident. Luckily, your renters’ insurance comes with protection against this situation. 

Inhabitable Home

If your rental were to become uninhabitable because of a disaster, accident, or some other incident, you would have to move out so that the building could be repaired. With renters’ insurance, this move and the resulting living expenses can be covered by the policy. This makes it easy to live somewhere that is inhabitable for the duration of the repairs. 

Get Your Renters’ Coverage

If you are renting a home, you need renters’ insurance to keep you protected. To find out more, contact us at VIP Insured in Bellevue, WA.


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