Category: Renters Insurance

How to Make Your Rental Feel More Like Home

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Renting a property often proves to be a convenient and less stressful choice for many, but the challenge lies in making the rented space feel like your own. Our team at Western Trails Insurance, serving Oshkosh, NE, and surrounding areas, is committed to helping renters transform their houses into homes. Here are a few tips to help you achieve this.

Add Personal Touch with Decoration

Decorating your rental is one of the most effective ways to personalize it. Although some rentals may restrict permanent changes like painting, there are numerous ways to reflect your style in your living space. Adding elements like rugs, pictures, curtains, and more can transform your rental into a cozy and welcoming home.

Pride in Cleanliness

Even if you don’t own the rental, treating it with utmost care will make it feel more like home and maintain a good rapport with your landlord. It’s crucial to follow any specific regulations about cleanliness and clutter to ensure your living space is spick and span.

Safeguard Your Belongings

Renting a property frees you from concerns like property taxes or insurance, but it’s still advisable to consider renter’s insurance to safeguard your personal belongings. A renter’s insurance policy compensates for any loss or damage you might incur while residing in the rental property.

To learn more about renter’s insurance, reach out to us at Western Trails Insurance in Oshkosh, NE, and the surrounding areas. We are more than happy to answer any questions and guide you through the process. 

5 Reasons Why Renters Insurance is Important

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Are you a renter? Do you lease the home or apartment where you live? If you live in the Oshkosh, NE area, Western Trails Insurance wants you to be aware of five good reasons to secure renters’ insurance.

Why Renters Insurance is Important

     1. Your Landlord/Property Manager May Require It

More and more leases are requiring tenants to secure renters’ insurance. While they may have a recommended provider, where you get renters’ insurance is up to you. Western Trails Insurance can help.

     2. Renters May Be at a Higher Risk

Rental properties may be in areas with an increased risk of crime. This can make it important that your personal possessions are protected.

     3. Liability Can Be a Real Issue for Renters

Renters can be responsible for the safety of visitors, repair people, and delivery personnel who visit their homes. Should someone sustain an injury while visiting, you could be liable.

     4. Each Roommate Should Have Their Own Renters Policy

Since renter’s insurance covers personal possessions, each individual tenant on the lease should secure their own policy.

     5. Renters Insurance Can Be Surprisingly Affordable

Before you decide you don’t need or want renters’ insurance, get a price quote. You may be surprised at how affordable it can be. You may also be able to bundle it with car insurance to save more. You should be aware that not only can renters insurance cover your possessions at home, but it can also cover them while you are traveling. 

Get A Free Quote

If you are considering renting, we invite you to learn more about renter’s insurance. In the Oshkosh, NE area, Western Trails Insurance is here to help. Get your no-obligation quote today.

How to Evaluate and Choose the Right Renters Insurance Policy

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Those renting a home in the Oshkosh, NE area will want to ensure they are getting proper insurance. For a renter, this means having an ideal renter’s insurance policy.

There are tips you should follow that will help you choose the right plan:

Assess Your Coverage Level Needs

One factor that you will need to consider when looking for coverage is to assess your coverage level. Your renter’s insurance plan should be designed to provide support if you incur a loss due to theft, fire, or another type of claim. It is important to assess your personal assets to determine what level of coverage you need.

Liability Coverage

If you are going to enter into a new renter’s plan, you should also consider your liability coverage needs. This coverage is important as it will offer support if you are found liable for an accident that causes property damage or an accident that results in injuries. Many landlords will require you to carry a certain level of coverage. Maintaining this level of insurance is important as it will keep you in compliance with the lease.

Deductible

You should also consider your appropriate deductible level. This is the amount of money you need to spend out of pocket when filing a claim. It is important that you have access to this money if necessary.

Reach Out To Us

If you choose to rent a home in the Oshkosh, NE area, you will know how important it is that you get a proper renters insurance policy. When you are evaluating your options for renters insurance, it would be a great option to call our professionals with Western Trail Insurance. At Western Trail Insurance, we know the value of this type of coverage. Based on our support, we can provide the guidance you need to build a new policy.

4 Benefits of Renters Insurance

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Renters insurance is a valuable investment that protects you and your belongings wherever you go. Unfortunately, many tenants don’t know how useful renter’s insurance is. In light of this, Western Trail Insurance of Oshkosh, NE has taken time to highlight the benefits of renter’s insurance, including how it protects what matters most to you.

It protects your possessions

Most tenants think that the landlord’s insurance protects their belongings. This notion isn’t true. The landlord’s insurance covers the building but not your assets. Renters insurance is the investment you need to protect the valuables you cherish.

Think of someone breaking into your room and stealing your TV or laptop. Wouldn’t it be stressful planning to purchase another one? For that reason, you need renters insurance when damage or loss occurs on your valuables.

Liability protection

Renter’s insurance protects you when accused of causing bodily injury or property damage to third parties. For instance, suppose you invite a friend to your house and trips on your staircase, dislocating the hip. While the accident was purely accidental, you could be held liable for their medical expenses. Renters insurance helps cover claims brought against you, your pets, and your family members.

Covers loss of use

If a peril listed in your policy damages your rented dwelling, renters insurance covers the additional living expenses until your home or apartment becomes habitable again.

It covers you on the go

Another advantage of renters insurance is that it covers you wherever you go. Let’s say you have gone shopping, only to find out that someone has broken into your parked car and made away with your laptop. Fear not! Renters insurance compensates you for the loss even when not near your dwelling.

Buy renters insurance today!

As you can see, renter’s insurance is more valuable than you thought. Ready to take the plunge? If yes, please get in touch with Western Trail Insurance in Oshkosh, NE for an affordable quote.