Renters insurance is a necessary expense to protect yourself and your belongings against loss from fire, theft, and other disasters. Here’s how to get cheap renters insurance in Colorado with a top-ranked company.
Why You Need Renters Insurance
The sad fact is that 75% of renters don’t have renters insurance. Maybe they think they’re already covered under their landlord’s policy, or maybe they think they don’t own enough to warrant buying insurance.
Your landlord’s policy doesn’t cover damage or loss to your personal possessions. And if you take an inventory of those personal possessions, you’ll realize they are worth far more than you think.
Shop Around for the Cheapest Rate
Renters insurance is relatively inexpensive, costing only a couple of hundred dollars for $20,000 worth of coverage, but you still want to make sure you get the best rate possible.
When you shop for renters insurance, be sure to get quotes from several insurance companies. The easiest way to do this is to go to an insurance comparison website, where you will fill out a form with information about
* Your insurance needs
* The place you are renting
As you complete the form, follow these tips to keep your Colorado renters insurance premium as low as possible:
* Set your deductible as high as you can afford. A high deductible means you will pay more on claims, but your monthly premium will be lower.
* Ask about discounts. Many insurance companies give discounts if you insure both your car and home with them; if you’re a senior citizen; if you’re a non-smoker; or if your home has safety features such as security systems, smoke alarms, and deadbolt locks.
After you submit the form you ‘ll receive quotes from multiple A-rated insurance companies. All you have to do is choose a company with the best rate for you.
The best insurance comparison websites offer an online chat feature so you can get fast, accurate answers to all your insurance questions directly from knowledgeable insurance experts (see link below).
http://www.LowerRateQuotes.com/renters-insurance.html or click on the following link to get Colorado renters insurance quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.