Portland Maine Renters’ Insurance
You’ve finally found a great new place to rent: maybe a Munjoy Hill apartment; a West End townhouse; or a loft in the Old Port. You are psyched! You celebrate your new start by having some friends over for drinks and dinner. They love it! Until one of your guests slips on an ice cube or trips over your cat, Riot, in the living room, and whammo- breaks his leg.
A week later, you come home to find your laptop, iPad and bike stolen. The next day, you get a letter from your friend’s lawyer. They’re suing you for his medical bills and lost work time while his leg heals. Not a good month.
You show the letter and the police report to your landlord figuring, no problems – it’s her building, right? She is truly sympathetic when she says, “sorry, but that’s not my problem.” Then she adds, “You do have renters’ insurance, right?”
The moral of this story is simple: find new friends.
No, seriously; the answer is to call us before any of this happens, and ask for a Maine renters’ insurance quote. Most Portland Maine landlords require at least $100,000 of renters liability insurance. Even if it’s not required, renters insurance is a good idea – cheap, too. Renters’ policies protect you and your stuff three ways. They usually cost less than $150 per year.
Replace Your Stuff
Renters’ insurance reimburses you for damage to your belongings from fire, theft, and lots of other disasters.
As a renter, insurance can defend you against a lawsuit for injuring someone, damaging property – even that Instagram pic, tweet about your last date, or Facebook comment that crosses the line. Your policy pays to defend you you even if the charges are groundless.
Additional Living Expense
A renters’ policy pays for you to stay somewhere while your apartment is not livable following a fire, hurricane, or water damage.
So, get renters insurance, keep your friends, and relax during your next party! For a Maine renters insurance quote or answers to renters’ insurance questions, call Noyes, Hall & Allen Insurance at 207-799-5541. We’re independent and committed to you.
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