Clarksville Renters Insurance is a Must -- Here's Why

By Janie Curtis

 

When you think of Clarksville, TN, you don't think of things like earthquakes, hurricanes, and tornadoes.  While we may not experience the same threats that other areas do, there's still a chance that Mother Nature could damage your rental property. 

But natural disasters aren't the only threat your rental home in Clarksville could fall victim to.  Whether you're renting an apartment, a condo, or a townhome in Clarksville, you've got to invest in some renters insurance.

Here's why:

 

-  Your landlord's insurance won't cover you

All of the rental apartments, condos, and townhomes in Clarksville work the same way -- your landlord's insurance will cover the building, BUT NOT the things inside it!  So, if your townhome in Clarksville ever burns down, your landlord's insurance will pay to rebuild the structure, but it won't pay you for the clothes, furniture, and other belongings you had inside that were destroyed.  If you don't want to replace everything all by yourself, you need a renters insurance policy.

 

-  You need liability protection

Let's say a guest comes over to your condo in Clarksville and breaks his foot when your funny cat statue falls over.  Because it was your statue, you're responsible for his injuries.  There's nothing to prevent him from suing you to pay for his medical expenses and his pain and suffering.  And, once again, you'll be out of luck if you don't have renters insurance.

Depending on your policy, your insurance company may pay to defend you in court, or they may pay your guest's medical expenses before he has a chance to sue you in the first place.  Either way, you won't have to dig into your own pocket to come up with the money.

 

-  You never know when a thief is going to strike

What would you do if you came home from work and discovered that your rental condo had been broken into?  What if your expensive electronics and your jewelry were all missing? 

If you had renters insurance, you'd simply call your insurance company and file a claim!  Then, they would pay to replace your belongings, if the police couldn't track them down.  But if you didn't have renters insurance, you'd have to try and replace everything yourself.  That's like being victimized twice!

 

-  You don't have to spend an arm and a leg

If you think renters insurance is going to take a big chunk out of your monthly budget, think again!  These policies are very affordable.  In fact, depending on how much coverage you need for the stuff inside your Clarksville rental home, you might be able to get a policy for $10 or $15 per month!  When you look at it that way, how can you afford NOT to have renters insurance?

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