Some landlords are going to require that you get a renter’s insurance policy before you are able to move in. Other landlords do not care about it and will leave it up to the tenant to decide whether they would like to get a policy or not. Even if you are not required to have one of these policies in place to sign a lease on an apartment, it can still be a good investment and a way to ensure that your personal items are kept safe, no matter how long you decide to stay in the apartment.

Unless you have a large amount of savings put to the side to cover any loss that may happen (and it is likely to happen at some point), you should consider getting renter’s insurance as a way to help protect your finances. Then, when an accident happens, you will be able to turn to your insurance to get reimbursed for the damages and the amount that you lost as well. This policy is going to step in and help you with getting reimbursed for your electronics, jewelry, and clothing when there is a disaster that happens to you.

You could choose to go without this kind of insurance if you would like and if the landlord doesn’t require it. This may help you save a few dollars a month. But then if there is a pipe that bursts in the apartment, someone gets into the unit and steals your stuff, or you have a guest or visitor who falls and gets hurt in the building and it is your fault, you will need to come up with all of the money to fix the problem and replace all of the items.

Considering the cost of these insurance policies are going to be pretty small, it is a good idea to consider having it. For less than $20 a month for most tenants, you will have that protection and will provide you with some peace of mind that you need when it is time to move into an apartment.

Our modern 4-bedroom apartments near College of Charleston are calling your name. We are ready to bring in the students to make sure they have a safe place to rest at night and a community that will enhance their college experience at the same time. Add on some fun amenities and a location that is close to all of your classes, and you will want to stop your apartment search right now. When you are ready to make that big move off-campus, contact a member of our team today to take a tour and learn more.