Amanda’s Note: This was provided by an online contact.
Rents are scary high in the state of California, with many renters resorting to some very unorthodox solutions in order to save a bit of extra money. There are those who offer their apartments to travelers on the weekends, collecting extra funds while they stay with their parents for a couple of days. Some are even taking on multiple roommates and advertising shared room spaces so that they can meet the rent.
Although subletting apartment spaces is really a subject that you want to talk to your landlord about, you don’t need permission to take out a California renters insurance policy. And in reality, you truly cannot afford to continue residing in your apartment another day if you don’t have adequate protection for your personal property. This is why you need renters insurance to live comfortably and safeguard your most valuable possessions.
Personal Property Replacement Costs
Like other types of insurance, you can expect to pay your bill for renters insurance monthly or yearly. If you just look at the cost of apartment rental insurance on its face, you might scoff at the idea of shelling out another dime on top of your rent, no matter how inexpensive it is. While you pay rent to keep a roof over your head, renters insurance is a totally different animal. Your landlord isn’t going to be around to fight off cat burglars or personally safeguard your property from roommates with sticky fingers. Even if you barricade yourself inside your apartment and suffer from a bad case of self induced insomnia, you are still at risk of being robbed.
Unpaid Time Off From Work
Having your home broken into is not only inconvenient, it can cause logistical complications. Who exactly is going to clean up all the broken glass, pick up all of your clothes that have been thrown on the floor, or even inspect your apartment for damage? That’s right, you are. You can count on missing at least a day or two of work since you’ll need to file a police report after experiencing a breaking as well. It doesn’t really matter if you can afford to take off the time or not, because you really aren’t going to have a choice, especially if you don’t have renters insurance to fall back on.
What is Your Mental Health Worth?
All jokes aside, experiencing a robbery or break-in isn’t going to be something that is easy to get over. Lingering feelings of paranoia may be justified, but you are probably going to want to hurry up and get back to your regular life as soon as possible. Unfortunately, your brain is going to remain on high alert for a long, long time after having your home broken into. You will have to process the fact that some unknown culprit violated your personal space, caused you financial hardship and left you to deal with the aftermath. Worst of all, even if you are able to get some form of justice, the mental scars are going to remain. If your mental health is important, you should probably look into renters insurance so that recovery is easier.
Absolutely no one wants their apartment broken into, which is why many renters get security systems, aggressive dogs and cameras to help thwart theft. Nothing can stop a thief from targeting your property if it’s what he or she really wants. At least with renters insurance you don’t have to worry about how you are going to have to pay to get your apartment back in order.