Do You Live in an Apartment? 3 Reasons to Purchase Renters Insurance

Moving into a new apartment is always an exciting endeavor. But what would you do if there was a fire or someone broke into your unit? Would you realistically be able to pay to replace all of your stuff at one time?

For most people, it would be difficult to come up with that level of cash all at once. This is where having an appropriate level of coverage ahead of time comes into play. Here are three reasons why all apartment dwellers should purchase renters insurance.

Reason #1: Peace of Mind and Protection                                                   

For many people who live in an apartment, the most important reason to purchase a renters insurance policy is peace of mind. Catastrophic events, such as a fire or theft, usually happen when you least expect it—and your landlord is not responsible for any of your personal items. By making sure you have adequate coverage in place before something happens, you can ensure replacement of your belongings if such an event should occur.

Reason #2: Coverage Against Liability Claims

Another important reason to purchase a renters policy is for protection against liability claims. This type of coverage helps pay for medical bills if someone visits your apartment and becomes injured while on the premises. It also covers any injuries associated with pet bites—including when you are at the neighborhood park or out in public. In addition, it will sometimes pay for legal fees associated with any lawsuits or other litigation attached to such a claim.

Reason #3: Lower Auto Insurance Rates

One more great reason to purchase a renters insurance policy is that it can lower your auto insurance rate. Many policyholders who have their renters and auto policies with the same carrier often qualify for a discount on both policy types. For some, this even means getting two policies for right around what they are already paying for one.

Of course, discounts and exact levels of coverage vary depending on which insurance carrier your renters policy is through. Thus, it is always important to speak directly with your agent regarding your exact situation before making any assumptions about what is covered and what is not. However, having a renters policy is always a better option than going without.

For more information about getting a renters insurance policy or for a no-obligation quote, please contact our team at the Bob Korvas Agency Inc. today.

How to Get Best Wear and Tear Out of Your Tires

Whether you’re taking a short trip down the road to Kiddie Kingdom or going across town to pick up a yummy pizza from Graziano’s Brick Oven Pizza shop, you need to make sure you’re getting the best wear and tear possible out of your tires. After all, replacing the tires on your vehicle is never very inexpensive. In fact, depending on what you drive, you’ll likely spend anywhere from $400 to $1,500+ on a set of tires. Fortunately, though, there are a few tips you can follow to make sure you get great wear and tear out of your tires in Niles. 

Make sure your tires get rotated

Ideally, you’ll want your tires to be rotated every time you get your oil changed, which for most people is once every 3,000 to 5,000 miles. For those driving luxury vehicles, though, a regular oil change takes place only about once a year, so it’s important to schedule extra visits to have their tires rotated. If you don’t rotate your tires, they will start to wear and tear in the same spots, causing your car’s alignment to be wrong. 

Check for low pressure

Every time you stop for gas, walk around your car and look at the tires. If you notice there are any spots that appear to be bulging, this likely means that the tire’s pressure isn’t right. You’ll want to make sure the tires always have the correct amount of pressure, or otherwise, you risk having a blow out. 

For more helpful tips on extending the life of your tires, contact Bob Korvas Agency Inc. today.