Fire ripped through a duplex on Halloween night in Gresham, Oregon. The fire started in the chimney and caused damage to both units in the building. Two families are now homeless. The simple purchase of a Renter Insurance policy would have provided the funds to replace their belongings and offered benefits to pay for a temporary place to live. You can often add a standard Renter Insurance Policy, ranging from $125 to $210 annually for minimum coverage, with a discount on your auto insurance.

Not always does what happens in your home cause the need for insurance. Sometimes, it comes from what happens next door: the chimney fire, as in the story above, the forgotten gas grill that ignites the wood deck or house siding, and the tree in the front yard that crashes through the roof. While the landlord is responsible for the building, your belongings are your responsibility, and they will not pay for them. That is what insurance is for–to protect you from things like fire (think water damage too from the fire hose) and theft.

Think about it. With premiums starting at $125 a year, you wouldn’t have to worry about your neighbor’s mistakes, your kid’s friend who cut his toe on your screen door, or your furniture in the front room that got rained on through the hole in the roof. This is Oregon. It rains, trees fall, we use our chimneys, and we have friends visit. Liability, Personal Property, Medical Payments, and Loss of Use are all coverages available on a Renter Insurance Policy. For such a small premium, you would have the insurance when you need it. And now, more than ever, property management and landlords are requiring it before you move in.

Give Pulse Insurance a call today in Oregon at 503-489-3143. We would love to help protect you!