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Cranford, NJ 07016

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Insurance Blog

The most common misconceptions about renters insurance

The majority of Americans have multiple insurances, including auto insurance, home insurance, and health insurance. Renters insurance is not very common, but you should consider it if you rent a house or apartment. However, there are certain misconceptions about this type of insurance you should be aware of:

  • Renters insurance is too expensive. The truth is that renters insurance is actually even cheaper than home insurance. It is very affordable, and you can save even more money if you bundle your renter’s insurance with other insurance types. 
  • Since your landlord probably has insurance, you do not need to buy it. Yes, your landlord might have insurance, but their insurance covers the building itself. Your personal belongings will not be covered, and you won’t have any protection from unfortunate and unexpected situations. 
  • You do not need renters insurance if your roommate already has it. Not all renters insurance policies cover roommates, so instead of assuming they do, ask your roommate or call your insurance company. Also, it is not very convenient to be on someone’s policy because you have to discuss and agree on many different things. 

Having renters insurance is something every tenant should think about. Renters insurance aims to protect your personal belongings and provide you with peace of mind. If you live in New Jersey and are looking for renters insurance in the Garden State, feel free to contact O’Donnell Agency LLC. At O’Donnell Agency LLC, we work with clients throughout New Jersey and will gladly assist you in finding the perfect policy. Do not hesitate to contact us to learn more about insurance options. 

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