Category: Renters Insurance

Rental insurance is a valuable form of protection that allows you to transfer your risk and protect your belongings. While this coverage can offer you protection from many types of perils, one of the significant benefits it offers is protection from natural disasters. Once you contact an insurance company, such as Swartz Premier Group Insurance, you’ll be able to obtain the coverage you need to feel secure in the Moberly, MO area.

Protection for Your Property

When you obtain rental coverage, you can have your belongings covered. A few examples include your clothing, your jewelry, and your furniture. If a natural disaster happens, it could result in the complete loss of your belongings, so you would need to replace most of what you own. With rental coverage, you’ll know you’re protected from taking on the full financial brunt of such a significant loss.

Temporary Living Expenses for Your Family

When a natural disaster strikes a region, such as Moberly, MO, you can find your rental inhabitable. This would leave you and your family in need of temporary housing. With rental coverage, your temporary living expenses could also be covered. This coverage can cover your meals, transportation, replacement clothing, replacement hygiene products, and more.

Liability Protection for Your Assets

Rental coverage can also provide you with liability protection. If someone happens to get injured in a natural disaster or due to damage caused by a natural disaster to some of your property that ends up harming them, your coverage can take care of that party’s losses or damages. This can be a big help in the case of someone getting hurt and having substantial medical bills and additional losses. If you’re ready to discuss your rental coverage needs, you can contact Swartz Premier Group Insurance for information and assistance.

Being a tenant of a rental property in the Moberly, MO area comes with a certain set of responsibilities. Knowing that your landlord has insurance is reassuring, but it’s also important for renters to consider their own insurance needs as well.

Why Renters Insurance?

Even though your landlord may have coverage in place, you’re still responsible for any damage or loss that may occur within the premises. This means that if something like an appliance or piece of furniture gets damaged due to wear and tear, you could be held liable. 

For this reason, it’s always a good idea to look into renter’s insurance policies at Swartz Premier Group Insurance. Renters insurance will provide financial protection in the event of a loss or accident involving your possessions. It can also offer liability coverage if you are found responsible for an injury or damage to someone else’s property while at the rental unit. 

Renters insurance provides protection against vandalism, theft, and fire damage as well as covers replacement costs if such events were to occur. While this kind of policy isn’t typically needed by everyone, it might be worth looking into if you live in an area with higher crime rates or frequent natural disasters such as hurricanes and earthquakes. 

Reach Out To Us

Although your landlord may have insurance in place, it’s important to know what kind of coverage they have and what additional protection you need on your own behalf as a renter. When considering whether or not renters insurance is necessary for yourself, take into account where you live and how much risk there is for theft or other damages outside your control—this will help determine how much coverage you need from an insurance provider.

For more tips, call us at Swartz Premier Group Insurance today. We serve the Moberly, MO area. 

Renters insurance is vital to protecting your belongings, whether you’re a first-time renter or have been living in apartments for years. But what happens if you have bad credit? Can you still get renters insurance?

The answer is yes – but it may be more difficult and more expensive. Swartz Premier Group Insurance in Moberly, MO provides expert insurance advice on navigating this important coverage. Here we discuss how bad credit can affect your ability to get renters insurance, and we’ll also provide some tips on how to make it happen.

Can Bad Credit Affect Your Eligibility for Renters Insurance?

Bad credit won’t necessarily disqualify you from getting renters insurance, but it can make it more difficult. Insurance companies use credit scores to help determine premiums, and if your score is low, you may be seen as a higher risk.

This means that you may have to pay more for your coverage or you may only be able to get coverage from a limited number of insurers. If you’re looking for renters insurance and have bad credit, you need to talk to a reputable company like Swartz Premier Group Insurance in Moberly, MO.

What You Can Do If You Have Bad Credit

There are a few things you can do to try to get around the issue of bad credit:

• Look for companies that don’t use credit scores when determining premiums
• Shop around and compare rates from different companies
• Pay your premiums in full upfront to avoid finance charges
• Try to improve your credit score. This takes time, but if you’re able to do it, it can make a big difference in the cost of your insurance

Give Us A Call

Bad credit doesn’t have to be a deal-breaker when it comes to getting renters insurance. There are plenty of options available, but you may have to do some extra work to find the right policy for you. Swartz Premier Group Insurance in Moberly, MO can help you find the right renters’ insurance policy, no matter what your credit score is. Contact us today to learn more.