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Accidents happen. And when they do, it’s important to have homeowners insurance. This helps protect against the cost of having to hire an emergency disaster service, budget remodeling, and receive kitchen estimates or manage other home rebuilding fees in the aftermath of an accident. But, what happens when you don’t live in a home you own? What happens when you’re renting an apartment, or room from a landlord? If there is a fire, if your things are stolen, if the electrical outlets in your bedroom destroy your computer, what do you do? As important as it is to be a homeowner with insurance, it’s just as important to be a renter with renters insurance.

While all insurance companies will differ, according to the Metropolitan Life Insurance Company, policies typically provide coverage for the following renter pitfalls:

  • Damage to personal property from fire, water, and wind
  • Theft
  • Personal liability in the event you are sued over accidental injury to others who are in your apartment
  • Accidental damage to property of others in your care
  • Living expenses if you are forced to live elsewhere while your apartment is being repaired

And while this list will grow and shrink depending on the company, one thing it won’t do is elaborate on the different everyday scenarios for disaster. An electrical surge fries your computer, television, and/or stereo; while visiting your neighbor, you tip over his barbecue and start a fire; or you accidentally cause injury to someone away from your apartment! The possibilities are endless, and so are the costs.

Here at Mihalko’s General Contracting we’ve witnessed it all. We’ve seen how the carelessness of other tenants have caused hardship on other occupants in an apartment building. And we know that most tenants don’t carry renters insurance. But as a general contracting company that has been serving the Johnstown PA, Latrobe PA and Altoona PA area for over 34 years, we know that it is not fun to experience an accident and be left with nothing but the clothes on your back. So, contact a local insurance agent today about renters insurance. It’s a small annual price that will save you a load of trouble!

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