Keep the Dog; Get Renter’s Insurance

So, you just ordered the latest and greatest digital cable package. Movies on demand, high def, 500 channels - the works. Two days later, the cable guy comes to your apartment to hook up the gear to your brand new 52” LCD TV. You are psyched! Halfway to Nirvana, he trips over your pooch, Rex and whamo - breaks his leg. A week later, someone breaks in and walks off with the TV. Then, you get a letter from the cable guy's attorney - and he's suing you for his medical bills. Not a good month. You show the lawyer's letter and the police report to your landlord figuring, no problems – it's his property. He is truly sympathetic when he says, “sorry, but that's not my problem.” Then he adds, “You do have renter's insurance, don't you?”

The moral of this story is simple - get rid of your dog.

No, seriously; the answer is to call and ask us about a Renter'sInsurance policy that provides these three important coverages, and usually costs less than $150 per year:

Liability & Medical Payments: Defends you and pays your legal liability for bodily injury or property damage. While landlords can be the targets of liabilitylawsuits, tenants can be sued as well.

Contents Insurance: Protect your belongings from theft, fire damage and many other perils.

Additional Living Expense: Pays for you to live somewhere else if your apartment is untenable due to a fire, hurricane, or other covered peril.

Get the coverage, keep the dog, and pass the remote.

For answers to these and other renters insurance questions, call Noyes, Hall & Allen Insurance at 207-799-5541. We’re independent and committed to you.

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