Reno Insurance Agency Shield

Reno Insurance Agency Dayton Logo

How renters insurance can save money now – and later.

Unlike car insurance or a homeowners insurance policy, renter’s insurance is less expensive than many people realize. Plus having a renter's policy can allow you to get the auto/home discount on your auto policy. Here's some common misconceptions about renters insurance:

  • Myth #1: I don't have enough stuff to justify insurance coverage.

A common reason individuals avoid renters insurance is they do not think their belongings are worth that much. However take an inventory of all of your belongings, what would it cost you if you had to replace all your furniture, clothes, and electronics? It adds up to much more than you think.

  • Myth #2: My landlord will cover my property.

renters insuranceMany incorrectly assume that their landlord's insurance policy will cover their belongings in the event of a fire. The landlord's insurance policy covers the structure, not the content or any of the tenants belongings.

  • Myth #3: Renters insurance only covers my personal belongings.

Renter’s insurance also includes liability protection, so if someone was injured at your home and sued you, your legal expenses and any court award would be covered.

Coverage is also provided for additional living expenses should you have to move out of your apartment — say, because of a fire.

  • Myth #4 I take care of my things, I don't need renters insurance.

You may do a great job taking care of your possessions, however accidents happen. If your next door neighboor is careless and starts a fire, your entire apartment could also be damaged. You can't always predict the actions of the peolple around you. 

Accidents, such as a burst pipe in your apartment, may damage property and can be costly. Renters insurance can protect you from these situations and help cover those unexpected costs.

How to Choose a Renters Insurance Policy that is right for you?
Call us today! (937) 223-5235

Reno Auto Insurance icon

Full range of Automobile and Motorcycle, Motorhomes and Boats Insurance packages to protect your investment.

homeowners insurance Reno Shield Icon

The Property Insurance you need to Protect Your Home, Condo or Apartment and valuable items.

business owners insurance - Reno Shield Icon

Customized Business Insurance including Umbrella, Liability, E&O, Commercial Property & Auto, BOP, more.

life insurance - Reno Shield Icon

Affordable Life Insurance options such as Term, Whole Life, Universal, Variable, and Dependent Life.