Fact or Fiction? Only some renters need renters insurance.
If you are currently renting your home or apartment, it’s time to learn more about renters insurance!
Homeowners insurance covers the house itself and the items inside. But if you don’t own the home, you don’t need insurance to cover it. All you need is coverage for your actual personal belongings.
It might not seem like a lot, but all those little items add up! When you think about the cost to replace your furniture, dishes, sheets, clothes, books, and everything else filling up your home, it’s probably a lot more than you thought.
Renters insurance is an affordable way to protect what you’ve worked hard to acquire. And it’s probably a lot cheaper than you’d expect! In fact, many times the discount you receive on your auto insurance for having multiple policies can almost pay for the entire renters policy!
Renters Insurance will cover personal belongings within your home as well as a limited amount of property off premises (such as items in a storage building) or your laptop when it’s in the car.
It also includes important liability coverage. If you accidentally cause a fire that burns down the property, your insurance pays the landlord to replace it (protecting you from a damaging lawsuit). In fact, many landlords now require that tenants carry a certain amount of liability insurance before they approve the lease.
So if you’re renting, it’s time to look at protecting your valuables. Give us a call today and ask for a no obligation quote on renters insurance. And don’t forget to find out how much you’ll save on your auto insurance too!
Top 7 Things To Look For When Buying Insurance
So you’re ready to shop for insurance and are hoping for a great deal. But did you know that there are a few things to look for that are much more important than the price of the policy? In fact, don’t buy your next policy until you look for these seven things.
#1 – A Top Rated Insurance Company – You want an insurance company that will be around if you have a claim. Don’t choose a company that you have never heard of with a price that seems too good to be true! If you are not familiar with the company your agent is recommending, ask for a little more information. Find out what they are rated in your state and how long they have been around. If the agent cannot tell you this immediately, you have the wrong agent.
#2 – Choose a LOCAL agency! While all the commercials on TV will tell you to call a 1-800 number for a quote, it’s usually not a great idea. A local agency gives the same great policies (from the same companies!) but allows you to deal with one person on a regular basis. It’s nice to have a local agent who you can go visit when needed.
#3 – Choose an agency that offers a variety of policies. Keeping your insurance with one agency makes it MUCH easier when you have a claim. Plus you can qualify for huge multiple policy discounts! Find someone who can take care of all your needs in one local location.
#4 – After-Hours Support – What if you have storm damage in the middle of the night? Do you want to wait until tomorrow to get assistance? Look for an agency that offers after-hours support! Many local agencies will provide you with 24/7 claim assistance numbers. But make sure to ask for the information and keep it in your cell phone.
#5 – Choose an agency that’s EASY to contact! You don’t want to have to chase your agent down every time you need something. Ask if the agency is available by email, text, and phone while doing your shopping.
#6 – Do they offer annual reviews? Things change, especially when it comes to insurance! You want an agency that will regularly meet with you to review your coverage and make sure you’re protected. Ask about their review procedures and how they make sure there aren’t any gaps in your protection.
#7 – Excellent Customer Service – When it comes down to it, this is the most important! Choose an agency that wants your business and wants to give you the best possible service!
We meet all of the criteria above and would love to work with you and your family. Give us a call today for a no-obligation quote and insurance review!
Insurance Discounts for your 4 year college degree
At our agency—WE LOVE DISCOUNTS!!!
If you have a Bachelor of Science Degree, Bachelor of Arts Degree, Master of Science Degree, or PhD in any of the areas below, you could qualify for up to 15% off your home and auto insurance!!! This is regardless of your current occupation, based only on your college diploma!
Actuarial Science
Agriculture
Aeronautics
Anthropology
Astronomy
Astro-Physics
Astronautics
Atmospheric Science
Bacteriology
Biochemistr
Biology (Biological Science)
Bio-Medical
Bio-Technology
Botany
Business Information Technology
Chemistry
Computer Applications
Computer Graphics
Computer Information Systems
Computer Science
Computer Programming
Computer Technology
Cybernetics
Ecology
Eco-Systems
Entomology
Environmental Science
Genetics
Geology
Geophysics
Information Technology
Kinesiology
Ocean (Marine) Science
Mathematics
Meteorology
Neuroscience
Physics
Physiology
Oceanography
Planetary Systems
Statistics
Systems Science
Technology
Zoology
Insurance Discounts from your Preferred Local Insurance Agency
Did you know that your 4 year college degree or occupation will discount your auto and home policies with our agency? Our average client saves $150-$200/yr just by this one discount alone!
This month we’ve helped out clients in the following professions:
Medical: Physicians, RNs, Dentists
Scientists: Computer Scientists to Meteorologists
Public Service Providers: Firefighters, Paramedics, and Law Enforcement
Educators: Elementary, Middle, High School Teachers and College Professors
Active Military Personnel
Engineers, Architects, CPAs, Judges, Attorneys, Pilots also qualify; even if you have retired from one of the listed occupations you are also eligible!
Call or email us for your detailed personal proposal
816-795-5977 or jolson3@farmersagent.com
Jon Olson Agency-Farmers Insurance 