I Was Only Gone For 30 Minutes!

Real Estate Broker/Owner with KGC Properties LLC, Tucson Property Management & Real Estate

"I was only gone for 30 minutes...."  and "my house was broken into...they took everything..", cried a tenant this morning.  30 minutes.  That's a long time for a thief - usually they are in an out in less time than that!

After making sure she was alright, I asked, "Did you happen to get the renters insurance I recommended when you signed the lease?"  With a sigh of relief, she said yes.

But not many tenants opt to get renters insurance.  And really, though should get it considering it's not that expensive - and compared to replacing items out of pocket - it's cheap!

A few things to know about renters insurance:

There are different types of renters insurance policies.  Make sure you explore all your options before picking just any insurance.

It may help you pay for living expenses if your current rental home becomes unlivable.  Although a landlord can handle many situations, there are major sitations wherein landlords do not have to provide living arrangements for you.

"Other people." That's really one of the big reasons people get renters insurance.  And other people, are people that come to your home, get hurt, fall down, etc., and then end up suing you for whatever reason.  Renters insurance can help with third party liability.

Your belongings. This is the other big reason people get renters insurance. Worried about cost?  It doesn't have to be expensive. Think about this.....your computer, flat screen TV, etc., how much did those items cost?  Now, compared to a few hundred dollars a year for renters insurance, isn't it worth it if you had to replace them?  

It is!  So take 30 minutes of your time today and call your insurance agent - so the next time you're gone for 30 minutes - you'll have some peace of mind.

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Buying or selling Tucson real estate, Mt Lemmon, Tucson bank-owned homes, Tucson rental homes, or Tucson lease option homes? Visit www.KGCPropertiesLLC.com .



This blog is written with my opinions and my opinions are  presented with accuracy but not guarantees. Please talk to a professional before making any real estate, financial or agency decisions.    Gabrielle Kamahele Rhind - 2014. If you want to reprint parts of this - just email me for my permission: KGCProperties@gmail.com .



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Tatyana Makarov
Coldwell Banker Residential Brokerage - South Windsor, CT
Your Greater Hartford Area Realtor

Hello Gabrielle,Great post. I don't think renters really realize how important it is to have an insurance.

Jul 31, 2012 05:57 AM #1
Karen Feltman
Cedar Rapids/Iowa City, IA Lepic-Kroeger REALTORS - Cedar Rapids, IA
Relocation Specialist
Renters insurance is priceless! I am not sure why people try to get away with not having it. I guess they really believe that nothing bad will ever happen to them.
Jul 31, 2012 06:03 AM #2
Respect Realty LLC
Respect Realty LLC - Milwaukie, OR
Brokers - Oregon / SW Washington Real Estate

Also, home owners insurance won't cover your stuff if their is a leak. Renters insurance is a must for any renter.

Jul 31, 2012 06:50 AM #3
Richard Iarossi
Coldwell Banker Residential Brokerage - Crofton, MD
Crofton MD Real Estate, Annapolis MD Real Estate

No keys around here without a renters policy. Their stuff is less important than the liability insurance it also carries with it.

Jul 31, 2012 07:08 AM #4
Fernando Herboso - Broker for Maxus Realty Group
Maxus Realty Group - Broker 301-246-0001 - Gaithersburg, MD
301-246-0001 Serving Maryland, DC and Northern VA
Great advice and a good reminder for all renters out there...
Jul 31, 2012 08:43 AM #5
Barbara Todaro
RE/MAX Executive Realty - Franklin, MA
"Franklin MA Homes"

Good advice for all tenants, Gab....

Jul 31, 2012 09:31 AM #6
Lou Ludwig
Ludwig & Associates - Boca Raton, FL
Designations Earned CRB, CRS, CIPS, GRI, SRES, TRC


Far to many renters fail to buy insurance and that create big time issues for them.

Good luck and success.

Lou Ludwig

Jul 31, 2012 11:42 AM #7
James Dray
Fathom Realty AR LLC - Bentonville, AR
Exceptional Agents, Outstanding Results

Morning and as always good advice.  Enjoy the day

Jul 31, 2012 09:23 PM #8
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