The kids are back in school and your memories of the Georgia beach trip are on your smartphone. Now, you might not be compelled to celebrate the end of summer quite so wholeheartedly as you marked the beginning of the season. Nevertheless, you can expect your Halloween party at your apartment or other rented space to be a sign of approaching winter.
A Halloween party, believe it or not, is yet another reason to find out more about affordable renters insurance. Even if you already have coverage, it’s a good idea to be sure you’re covered for the event.
The Day-to-Day Importance of Renter’s Insurance
Perhaps you already know about the more common benefits of a cheap renters insurance policy. This policy will cover you if the apartment burned down or most of your possessions were damaged by smoke or leakage from an unattended bathtub upstairs. It’s good to know you’ll get reimbursed for the thousands of dollars you lost in expensive electronics, art, and other home valuables.
Similarly, you’d trust a renter’s insurance policy to handle incidents of theft, vandalism, or weather damage. Your policy is even likely to pay for your temporary living quarters for weeks or months while your rental quarters get rehabbed after a fire or other damaging event.
Even your belongings at an off-site storage warehouse are protected through your plan.
But how can your policy cover your upcoming Halloween party?
Think of Your Renters Insurance as Event Insurance
Your inexpensive policy’s nickname could be event insurance or party liability coverage. Those terms certainly sound more festive than “renters insurance.” But they’re also highly relevant.
In fact, you probably have more policy benefits than you have realized.
Imagine family and friends celebrating the spooky season at your rented townhouse. Maybe celebrating a little too heartily, in fact. Your mother-in-law makes it halfway up the stairs to the bathroom when a fit of dizziness and dulled reflexes sends her right back down the stairs in a crumpled heap.
Fortunately, she’s not seriously injured, but there’s a costly ambulance ride to the hospital to get checked out and she’ll have to miss several days of work for which she won’t be paid.
Call your renters insurance agent and learn how to turn in a claim. After all, your guest’s medical injuries and associated costs are likely covered when the mishap occurred at your place. And you’ll score bonus points with your mother-in-law.
Here’s What We Mean by Party Liability Coverage
Let’s say it’s a friend of a friend or someone you barely know who gets injured on those troublesome stairs. The injured party insists that it wasn’t the booze at fault or that they weren’t drinking alcohol at all. It was because one of your kids left a skateboard on a step and he tripped over it and did an unexpected kickflip along an imaginary halfpipe.
Now, in addition to those medical costs, you might also be sued. Again, renters insurance comes to the rescue. Your coverage can help pay for a lawyer and other legal costs if you’re sued for virtually any reason involving your rented space.
Between the medical costs incurred and your possible legal liability protection, you can think of your renters insurance policy as protecting your guests as well as your personal finances.
So go ahead…party with confidence.
Generous Benefits at a Low Cost
All of this financial protection comes at an extraordinarily low cost. A typical renters insurance policy in Georgia might only cost you around $200 a year, or about $16 or $18 a month.
If you consult an independent renters insurance agent, you’ll learn how you can take advantage of additional ways of cutting rates. Since independent agents represent multiple carriers, they can get several quotes from different insurers to find the policy that best fits your needs at the lowest possible price.
Start Your Party Planning with a Phone Call for Cheap Renters Insurance in Georgia
If you don’t already have renters insurance, reach out and contact Southern Harvest Insurance at (877) 831-4677, or find a Southern Harvest Insurance office in Georgia near you. Or make an appointment with an independent agent. You can also get a renters insurance quote online.