Business & Finance

Press Releases

The Benefits of Renters Insurance


Even if you don’t own a home, you probably own a great deal more than you think. Consider all of your furniture, electronics, clothing and appliances. Also include any jewelry, collectibles, books or musical instruments you own. Now consider how much it would cost to replace all of these items if you had to do so. Doesn’t seem like such a small number, does it? Imagine you are having a cookout, and a guest trips on the stairs while attending. Could you cover their medical bills if need be? What happens if something leaks in your apartment, and ends up damaging you’re a neighbor’s unit? How would you pay for those damages? The answer is renters insurance.

Renters insurance is very similar to homeowners insurance, in that it helps cover you and your property. The landlord’s insurance policy on the rental unit typically covers the building structure itself, while protecting your property is your responsibility. Renters insurance and what it covers can vary, but in general it covers personal property, personal liability, property damage to others, additional living expenses and medical payments to others. What your policy covers depends on the coverage limits you select.

Here are some of the benefits renters can gain from purchasing renters insurance:

Sign Up for E-News

Fire and theft protection

If your apartment or rental home becomes damaged in a fire or other peril named in your policy, your renters policy can help to repair or replace your possessions. Likewise, if your residence is broken into, your renters insurance policy can pay to repair or replace listed items that are damaged or taken. Additionally, renters insurance policies typically provide loss of use coverage, which can help pay your expenses if you have to relocate for repairs. Here’s a tip: Create an inventory of your belongings. Include furniture, clothing, books, electronics, appliances, etc. along with its estimated value. Take photos of your belongings, and keep track of credit card statements — keeping a current list will make it easier should you have to file an insurance claim.

Protection from damage you may cause

Renters insurance covers more than just your property. For example, if you accidentally ride your bike into a parked car, your policy can  cover that, and pay for the losses of people who are injured or suffer property damage because of your actions.

Protection from liability claims

Like to entertain? Ever get a package delivered? Renters insurance can provide liability protection, which covers injury to another person while on your property. So, if you’re sued because someone is injured while at your residence or because you or someone covered under your policy accidentally injure someone, renters insurance can provide liability coverage for legal costs and the settlement of the injury claim up to your limits.

Affordable protection

Many renters assume their belongings will be covered by their landlord’s policy if something should happen. Your landlord’s insurance policy will not cover your losses due to theft or damage. Renters insurance covers your personal property, and even covers you from liability claims while you’re renting. Also, if your rented home ever needs serious repairs, and you’re unable to live there, it also covers the reasonable and necessary increase in living expenses (housing, food, etc.) you may incur from a covered loss. While there’s no law requiring you to purchase a policy when renting, to help protect you now and your future it is important to purchase renters insurance.

Make the call and purchase renters insurance.  It is an inexpensive way to protect your property from damage or loss, and can help you rebuild your life should you experience a loss. Call me today to get the coverage you want to protect both yourself and your belongings.



TAP Into Another Town's News:

You May Also Be Interested In

Sign Up for E-News


Sparta Police: Stop for Broken Light Ends with DWI for Newton Man

February 17, 2018

SPARTA, NJ – A Newton man caught the attention of Sparta Cpl Rubino when he drove passed him on West Shore Trail with a broken license plate light.  Alexis Obolensky was stopped in his gold Subaru on February 15 around 7:45 p.m., police report.

When the officer was stopping the 28-year-old driver he saw him flick a cigarette out the window.  As Rubino spoke with him he smelled ...

Sparta Police Nab Two on Outstanding Warrants

SPARTA,NJ – Several people with active warrants were picked up by Sparta Police this week. On February 12 around noon, Sparta Police Officer Christopher Favaro stopped Newark resident Alex Nunes-Ramalho, 23, for broken break lights on his gold Chevy Impala. 

 Nunes-Ramalho told Favaro that he did not have his wallet with him.  Instead, the driver showed the officer a ...

Sparta Police: Marijuana Card is Not a Free Pass for NY Man

SPARTA, NJ – A man speeding on Route 15 faces drug charges despite having a medical marijuana card.  Muhammad Khan, 26, of Valley Stream, New York was stopped by Police Officer Erick Finley driving his red Lexus SUV 75 mph in a 55 mph zone, police report.

When the officer spoke with the driver and passenger Abubaker Masood, 29 of West Islip, New York, the officer smelled raw ...

Upcoming Events


Tue, February 20, 6:30 PM

Sparta United Methodist Church, Sparta

Girl Scout STEAM Program

Arts & Entertainment Education

Sat, February 24, 7:00 PM

The Prudential Center, Newark

Sparta Education Foundation Night Out with the NJ ...

Giving Back Sports


Tue, February 27, 6:30 PM

Sparta United Methodist Church, Sparta

Girl Scout STEAM Program

Arts & Entertainment Education


Fri, March 2, 7:00 PM

Wallkill Valley Regional High School, Hamburg

The Drowsy Chaperone

Arts & Entertainment


Sat, March 3, 7:00 AM

First United Methodist Church, Newton

Newton Rotary Pancake Breakfast

Food & Drink

One Injured in Two-Family House Fire in Newton

February 6, 2018

NEWTON, NJ—One man was injured, while three others escaped unharmed when a two-family two story apartment house caught fire on Saturday.  On January 27 at around 6:26 a.m. Newton Police received a 9-1-1 call from a passerby reporting a house on fire. Patrols immediately responded to the area and found a structure fire at 75 Trinity Street police report..

According to Police, ...

Paterson's Poet Laureate

February 13, 2018

PATERSON, NJ- The City of Paterson has given birth to famous athletes, business leaders, actors, and now, a poet laureate.

Born and raised in Paterson, Talena Lachelle Queen told TAPinto Paterson that she has been writing since she was five-years old, and, as she grew older, realized that when it came to pursuing studies and a career in writing, she “didn’t have a choice.” ...

How to Talk with Kids About the Florida Shooting

February 15, 2018

The tragedy of the Florida school shooting is devastating, leaving 17 killed and 15 injured. Our children can easily identify with what occurred yesterday. It will be the topic of conversation today in schools everywhere. School administrators are doing all they can to provide support and guidance. The shootings affect children, teachers, and school personnel. The school shooting ...

Does Marriage or Mortgage Come First?

According to the National Association of REALTORS most recent Profile of Home Buyers & Sellers, married couples once again dominated the first-time homebuyer statistics in 2017 at 57% of all buyers. Team Nest Builder knows it's no surprise that having two incomes to save for down payments and contribute to monthly housing costs makes buying a home more ...

Very Hot Tea Increases Cancer Risk

Researchers in China studying the consumption of “burning” hot tea, alcohol, and smoking habits of greater than 450,000 people ages 30 –79 for more than nine years found a five time greater risk of esophageal cancer in those who engaged in all three of the behaviors and a two time greater risk in those who either smoked or drank alcohol and consumed burning hot tea as compared ...


AtlantiCast Medical Minute: Atlantic Orthopedic Institute’s Scoliosis and Spinal Deformity Center

On this episode of the AtlantiCast Medical Minute, we’ll take you inside the Atlantic Orthopedic Institute’s Scoliosis and Spinal Deformity Center, with the center’s director, Jason Lowenstein, MD.

Video Link:

AtlantiCast Episode 011

Breaking Atlantic Health System news on this week’s AtlantiCast! Plus, find out why Morristown Medical Center is one of the best hospitals in the nation when it comes to recovering from joint surgery, see the newest center for fighting brain cancer and an Atlantic Health System red-carpet premiere!


Sussex County Board of Chosen Freeholders February 14 2018 Meeting Video

NEWTON, NJ - Sussex County Board of Chosen Freeholders February 14 2018 Meeting Video 


Coalition for Health and Safe Communities to Host Workshop for Community Pharmacists

February 16, 2018

NEWTON, NJ—A Pharmacist Workshop will be hosted by the Coalition for Healthy and Safe Communities, a program of Center for Prevention on Sunday, February 25.

The event will take place from 6 to 8 p.m. with registration starting at 5:30 p.m. It will be held at the Center for Prevention on Newton Sparta Road. 

This workshop will provide pharmacists with a Narcan training along with ...