If you rent an apartment, condo or house, you want to make sure your belongings are insured. Should there be a fire, vandalism or other unexpected incident, it's important that you have a way to replace the items that you've worked so hard to obtain. Many people choose to skip renters insurance, but here are a few reasons why you should purchase it:
It's very inexpensive. The amount you pay will seem minor compared to what you would need to re-invest if you lost all your personal belongings.
Your things are not covered under your landlord's policy. Yes, the landlord probably has a policy that covers the structure, but that doesn't cover what is inside the building.
Just kidding, we’re not going to give you a canned message on things like “topping off your radiator fluid.” (But seriously…you should definitely top off your radiator fluid) This weekend my 11 year old and 9 year old decided that it was the perfect day to bike a few miles down the road and back. After the requisite “get ready, eat lunch while I’ll finish mowing the lawn”, we ventured out. (Any guesses yet on what was forgotten before we headed out?) As we turned the 3 mile corner back toward home, the thing that was missed became pretty clear to me as one of the kids became sick to her stomach and started getting dizzy. The kids were in so much of a hurry to get their bikes out and have fun that they failed to eat lunch and drink water. What was such an easy step