Opting to Rent This PCS? Here’s Why Renter Insurance is a Must

If you PCSed this summer, you’re likely in the thick of settling into your new home. Whether you're on base or renting nearby, the stress of relocating and making housing decisions can add up. Here are some tools to give you peace of mind when choosing renter insurance customized for your needs.

A Small Price to Pay for Peace of Mind

Choosing to rent can be a practical way to minimize stress. And renter insurance takes that peace of mind even further. While landlords or property managers typically handle maintenance and repairs, it’s up to you to protect what’s inside your home.

Take a look at your lease agreement with your landlord to see what they are responsible for covering. In the event of a fire, flood, or theft, often only you are responsible for repairing or replacing your own things.

A renter insurance policy is essential to protect yourself against the cost of replacing your furniture, personal tech, and keepsakes. Your policy may also cover these expenses in the event of certain accidental (i.e. water or fire) damage.

Without coverage, you could end up paying out of pocket if your landlord holds you liable. It’s also worth noting that many properties require proof of renter insurance before move-in.

With all the stress of relocating and settling into a new space, having the right insurance can ease a major burden.

Getting Started

The important part is choosing the right policy for you, your budget, and your situation.

Begin by determining the value of your belongings. This task can be overwhelming whether you’re a minimalist or an avid knick-knack collector.

Go room-by-room, and record when you acquired each item, and how much it costs. Make sure you pay special attention to your valuable items (jewelry, electronics, etc.). And don’t forget your garage, basement, and attic!

Keep this list someplace safe, along with your other important paperwork and records. It’s a living document, so be sure to update it as you acquire new things.

Get a No-Obligation Renter Insurance Quote from AFI

Even if you are unsure of the value of your personal property, your dedicated AFI agent can help you determine an appropriate amount of coverage. Additionally, you can apply online in minutes!

For renter insurance policies specifically tailored to the needs of today’s military families, get a free, no-obligation quote from AFI. Their Personal Liability Insurance and Household Good Insurance policies provide worldwide coverage, protecting you, your family, and your belongings at home, during deployments, while you’re in transit, and when you have property in storage.