Why You Need Renter’s Insurance

If you are looking to rent or currently renting your home or apartment in Port Angeles, it’s time that you learn more about renter’s insurance!

You’ve probably heard about Homeowner’s Insurance, which covers the house itself and the items inside. But if you are renting all you need is to cover your personal belongings. 

It may not seem like a lot, but all the little things start to add up! When you think about how much it will cost to replace your furniture, dishes, sheets, clothes, books, electronics, and everything else that is filling up your home, it’s probably a lot more than you thought!

Renters insurance is an affordable way to protect what you have worked hard to acquire. And it’s probably a lot cheaper than you would expect. In fact, many times the discount you receive on your auto insurance for having multiple policies can almost pay for the entire renter’s policy! 

Renters Insurance will cover personal belongings within your home, as well as a limited amount of personal property off premises, including storage units and your personal belongings inside your car, according to policy limits. 

It also includes important liability coverage. If you accidentally cause a fire that burns down the property, your insurance pays the landlord to replace it, protecting you from a harmful lawsuit. In fact, many landlords now require that tenants carry a certain amount of liability insurance before they approve the lease. 

So if you’re renting, it’s time to look at protecting your valuables. Give us a call at 360-452-9200, visit us at 707 East Front Street in Port Angeles, or visit our Allstate Website today, for a quote! And don’t forget to find out how much you will save on your auto insurance too!  

Insurance For Your Wedding Rings

Did you know that June is the most popular month for weddings?  

I’ve seen many of my clients planning weddings over the next few weeks.  So I thought I’d share an insurance tip this week just for engaged couples and newlyweds.

You’re spending a lot of money on your wedding and those new rings.  Make sure they’re covered!  

Jewelry is covered under your Homeowners or Renters insurance.  But the coverage amount can be limited.   If you don’t cover the individual piece of jewelry specifically, you might not have enough insurance if it were to be lost or stolen.

Here’s what I recommend.  Get an appraisal of your rings from a local jeweler. A lot of our customers like to go to Cole’s Jeweler’s in Sequim. Then bring in a copy and we’ll add the rings to your policy.  (We can also discuss deductibles or special coverage.)  Depending on the value of the ring, you might spend only a few dollars a year to know that your valuable jewelry is insured.

If you are renting or getting ready to purchase a home and don’t have a policy, now is a great time to schedule a consultation to discuss what coverage you’ll need and give you a ballpark figure for what it will cost.  Renters Insurance is very inexpensive and can give you a lot of peace of mind as you combine your two households.

But the best tip I can give?  Get a local insurance agent you can trust!  We’ll look out for you and help you get the right coverage at an affordable rate.  Call us today at 360-452-9200 or visit our Allstate Website to get a quote.

Important Things to Remember Before You Leave for Vacation…

The end of the school year is coming and everyone is ready for summer break. The weather is getting nicer and trips to the lake or coast are being planned. There are a few things that you should remember before you leave for that family vacation.

Don’t Advertise That You Will Be Out Of Town

Here are some ways to protect your home while you are away on vacation.

1. Contact the Post Office and the Peninsula Daily News, and put your services on hold. Having a full mailbox or a lot of papers on the porch is a sign to others that you’re an easy target!
2. Putting your household lamps on a timer is a great way to make it seem like you are home. Also, having motion sensitive lights on the porch and/or driveway is a great idea too.
3. If you trust a neighbor, let them know that you are going out of town and leave them your contact information and/or spare key, just in case. If there were to be a storm while you were away, your neighbor could check on the house and make sure everything was still in working order.

When You’re On The Road

The #1 thing that is important to remember while you are driving is to not leave valuables in the car.

Many people believe that their belongings are covered by car insurance, but that is not the case. The only coverage for your luggage or computer would be on your Homeowner’s Insurance, and that is still subject to your deductible.

Most policies offer coverage for road side assistance and towing. This can be priceless when you are stranded, or accidentally lock your keys in the car. This coverage is inexpensive and quick to add to your policy.

If you have any questions before your next trip, please give us a call anytime to discuss your policy or to get a quote! 

Port Angeles Renters Insurance

Your neighbor's neglect could cost you!

A stove left on. A bathtub left running. If your neighbor's mayhem causes damage to your property, you could be the one paying for it out of pocket.

Renters insurance from Matt Elwood - Allstate Insurance can help protect you and your stuff for about $10-15 a month, or less when bundled with an Allstate auto insurance policy.

Renters insurance from Allstate provides coverage for personal belongings and valuables, liability protection if someone is injured at your place and additional living expense if a covered loss makes your home uninhabitable.

Be safe, not sorry. Call me today at 360-452-9200 for a conversation on how renters insurance can protect you from mayhem.