Agents strongly encourage renter's insurance - WAFF-TV: News, Weather and Sports for Huntsville, AL

Agents strongly encourage renter's insurance

A fire at Brittany Point Apartments in South Huntsville severely damaged eight apartment units. A fire at Brittany Point Apartments in South Huntsville severely damaged eight apartment units.
HUNTSVILLE, AL (WAFF) -

The damage from the fire at Brittany Point Monday afternoon serves as a reminder to always be prepared.  Buying renter's insurance is one safeguard to cover the loss of your belongings. It's something that insurance agents say a lot of people should have but don't. 

"Anyone that owns anything needs renter's insurance," said State Farm agent Marshall England.  "Most people have the notion that the landlords insurance will cover them if they have a fire or a theft or a natural disaster, but that's not true." 

England said another misconception about renter's insurance is how much it costs.  

"The cost of renter's insurance - contrary to myth and fallacy, it's not overly expensive," he said.  "Some policies you can get probably as cheap as between $150 to $170 a year." 

England said you also want to document and take pictures of what you own just in case.  

"Should you have a loss, the first thing agents are going to ask you for is that list of the items you want to claim and any documentation that proves ownership.  So it's very important that you do that," he said.  "Storms don't differentiate and neither does fire, but if you are living in a multi-family setting, it doesn't matter how careful you are, the person next door or below or above you can start a fire and if it destroys the building, the bottom result is the same thing you are without your stuff."

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