My friend Joel is a Liberty Mutual Insurance Agent, and after much chasing, finally got me to swap car insurance when I bought my new one last year, and I have to say I could not be happier. The payments went down $70 a month and I have even BETTER coverage than before, it was a total no brainer. Since he did a great job hooking me up with stellar insurance for my car, I figured I'd give him a call and see what kind of quote I could get for renters insurance. For someone who is paranoid about serial killers, shark attacks, break-ins and food poisoning, plus has a crippling fear of bridges, you'd think that I'd at LEAST have insurance to protect my apartment and belongings I do have nightmares of a fire ripping through my place, which was magnified once I moved into a town house, so it's about time I put at least ONE rational fear to rest.
After a phone conversation with Joel, I found out renters insurance was pretty cheap, about $21 a month. It covers up to $25,000 worth belongings, with a $500 deductible. It doesn't just cover items in my apartment, but all of my things. If my car got broken into and my ipod was stolen, that would be something I could claim. If my bag is stolen and there is more than $500 worth of things in there, I can file a report and get a check to replace my things (I did look into this when my bag was stolen, but I only lost my digital camera, which wasn't valued anywhere near $500, so it wasn't worth it). Even if I lost an expensive watch, Joel told me that Liberty Mutual would take care of replacing it. How amazing is that?! Granted, I would still have to pay the $500 deductible, but if it something worth a few thousand dollars, it'll be worth it!
It has definitely given me peace of mind, and it is totally worth the $21 a month. It comes straight out of my checking and I never even know it's gone. It was uber easy to get and I recommend it for anyone who rents. You can never be too careful. Look who you're talking to. Hi.
