.: O. Jones & Associates :: Why You Should Purchase Renters Insurance :.

Protect your belongings and Protect the assets you've worked so hard for!

Personal Property — Apartment and Townhome renters insurance provides coverage for your household contents and personal belongings. You may think your couch, coffee table, sweaters, shoes, coats, TV, VCR and CD player aren't worth a lot but those items all add up.

Personal Liability — In the event someone is injured on your property or you damage property that belongs to others, you could be held legally liable for the injury or damage. The renters policy provides personal liability coverage to financially protect you should this ever occur.

Use our free Insurance Information Institute's "Know Your Stuff" Home Inventory Software Version 3.06 to list all your possessions, when you bought them and the price paid for them. Review the list with your O. Jones & Associates agent to decide the coverage you need.

If you hate computers and would rather just have a paper copy of the Home Inventory Checklist click here.

At the O. Jones Agency, we understand that no two customers have the same insurance needs. We'll work hard to give you the best coverage combinations to fit your lifestyle and budget.

What if a candle tips over and catches your apartment on fire?

What if your neighbor upstairs accidentally overflows the bathtub and causes a major flood?

What if your neighbor is cooking and starts a fire and it spreads to your unit?

These 'what if' scenarios occur in apartment communities all the time. So, what will you do if a 'what if' occurs in your home? The answer in a nutshell, if you don't have renter's insurance, you may lose everything! Your neighbor is not responsible for replacing your thing and your landlord won't be held accountable either. As a matter of fact, without renter's insurance, even if you didn't cause the accident, you are held responsible for replacing your own valuables.

The bad gets worse... if you are responsible for an accident that causes damage to the building, loss to others personal property, or injures another individual, you could be held liable.even to the apartment owner!

The one and only way to protect yourself and your belongings is by investing in a renter's insurance policy.

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