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Monday, May 6, 2024

Renter's Insurance Can Save Your Assets

Apartment living is great with close neighbors and shared amenities.  But there are still risk exposures you should understand, so you may protect yourself and your belongings.  When you don’t own your home, you may not think about insurance.  Your landlord is probably insuring their asset, which is the actual structure you are renting, but your landlord will not insure not your property inside. Your contents are your responsibility to insure. Also, in most cases, you are the liable party if someone is injured at your rented residence. The average renter’s fire policy ranges from $30-50 per month.  And if you think about it, it’s something you can’t afford NOT to have!

Why do you need renter’s insurance? Kitchen fires cause damage, and one wall away there could be a kitchen flareup and in moments your home could be on fire! Water dripping from the light fixture above your head while you’re brushing your teeth could be the neighbor above you with their tub overflowing. What possessions of yours could be damaged because of this?

Bad things happen to responsible people every day.  Renters Insurance can protect you from terrible incidents such as fire and water damage and weather and more. Coverage for clothing, furniture, appliances, and computers is an important part of why you should have this insurance.  Also, in today’s litigious society, you need to be protected in the event you find yourself legally responsible for someone who may have been at your residence or for damage you may cause, even if the damage was accidental.  You need protection if something happens in your apartment that detrimentally impacts other apartments.  A renter’s insurance policy can offer you that kind of protection at a very reasonable price.

Take a few moments to do a quick inventory of your belongings.  Don’t do it in your mind, but physically go around and list the items you possess.  Every fork, every sock, every DVD and everything in between.  Can you afford to replace all of this yourself? Many people don’t realize how quickly this adds up.  The average renter has $50,000 in personal belongings at stake.

Now consider your valuable items such as your fine jewelry, art, collectibles and even your car.  Renter’s insurance doesn’t protect your car from collisions or comprehensive claims, but it does protect items for theft that you may be carrying in your vehicle.  Suppose a door to door salesman comes to your residence on a rainy day and slips on your wet doorstep and is injured.  The injured party decides to sue you for medical expenses.  Is this your landlord’s problem or is it your problem? If you didn’t have a proper rug in place to prevent slips, and you didn’t dry the step after a hard rain to prevent slips, you could be considered the at -fault party in such a lawsuit.  Can you afford to pay $5,000 for his medical bills? You may not have that kind of cash on hand, but your assets could add up to that much.  How much coverage do YOU need?

Angelyn Treutel Zeringue is President of SouthGroup Insurance Services, a CPA, PWCAM, CBIA, and licensed Trusted Choice Insurance Agent.  Reach Angelyn at, (228) 385-1177, or

Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our convenient locations!

To help you through the maze of coverages, carriers, premiums, and find ways to save money on your insurance, if you are on the Gulf Coast, contact your Trusted Choice agent, SouthGroup-Gulf Coast , SERVICE TEAM: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Melissa Dunn, Alex Treutel,  Anne Gillam, Mark Strickland, Joseph Eagle, Michael Scardino, Melinda Teaford, Wendy Butler, Gabriella Scardino and Brittany Eagle at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email:, phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook , or Twitter ! We now have more locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.

We offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/ Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

We serve Mississippi, Louisiana, Alabama, Florida, and many other states. We specialize in coastal exposures.
Insurance is stressful, but we make saving easy.  We help you save money on insurance!
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