When you move into your first apartment, you might not feel like you have much that needs protecting. Why should you spend the money on renters' insurance when your home consists of secondhand furniture in cramped rooms? Many people forgo renters' insurance because they think it isn’t worth the cost, but this couldn’t be farther from the truth. Whether you’re settling into your first independent home or renting a sky-high penthouse that costs more than most houses, renters’ insurance puts you and your belongings in good hands if things go wrong. Learn more with these top three reasons to invest in renters' insurance.

Some Landlords Require Insurance

When landlords insure their properties, their policy covers the building and the grounds. They aren’t liable for your belongings. If disaster strikes, your landlord’s insurance won’t help you at all. That’s why a growing number of landlords require their tenants to have proof of renters’ insurance. Many landlords will even recommend a specific agent or provider to their tenants. When tenants are protected, landlords can rest easy knowing everyone on the property has sufficient coverage.

Your Personal Property Deserves Protection

No matter how much or how little you have, your belongings are valuable. From furniture and electronics to your favorite books and outfits, the cost of your possessions can add up quickly. Protecting your belongings is one of the top reasons to invest in renters’ insurance. If disaster strikes—in the form of a fire, burglary, or other hardship—can you afford replacements for everything? Renters’ insurance covers your property after such events.

It Can Cover Additional Living Expenses After an Emergency

If something happens to make your building unlivable, you’ll have to find a temporary living situation. This might mean staying at a hotel, missing work while you handle the situation, and paying for other expenses that add up quickly. In addition to taking care of your belongings after an emergency, your renters' insurance can cover these and other living expenses.

Renters’ insurance revolves around you and your needs after a disaster. That feeling of safety and security is invaluable—especially during a stressful time. If you need renters’ insurance in Southern California, Saferoad Insurance can work with you to find comprehensive coverage that fits your living situation. Give yourself the peace of mind and protection you deserve by building your affordable renters’ insurance policy today.