Moving out of your parents place and into your first apartment is a huge mile-stone for any young adult. So you finally found the perfect place. Short commute to work, neighbors aren’t noisy, and you were even able to bring your dog with you. A new start like this is always exciting. Now all you have to do is stock the new place with all the goods. Microwave, furniture, pictures on the walls and renters insurance. Wait! Renters insurance? Yes, I said it. Unfortunately it’s not really something that people talk about with you when you first decide to moving out.

Most first time renters don’t consider renters insurance until its too late. Renters insurance covers a lot of what homeowners insurance would normally cover. The main difference is that renters insurance doesn’t cover the structure of the apartment. Most landlords actually enforce their tenants to get renters insurance in order to rent one of their properties. The landlords job is to make sure they take care of the property and the structure of the building, your job is to take care of your personal belongings. Consult with a Long Island renters insurance company for a quote.

Renters insurance is also known as tenant insurance coverage. This particular type of coverage covers robbery, fires, or weather damage done to your personal property. The landlords property insurance doesn’t cover your belongings so it’s extremely important for you to take action and to cover your own things. You worked hard for your belongings after all, why not take care of them? Tenant insurance cost roughly $16 a month depending on which company you decide to go with. But it can vary depending on your valuables. It is a small price to pay for your belongings. Most Long Island rental insurance companies who offer it have policies that pay for hotel stays incase something was to happen to your apartment also.