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Should I Get Renter’s Insurance? 5 Things You Need to Know

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When renting an apartment, there’s a lot to consider. Does it have parking {ha ha ha}, who your neighbors are, where it’s located, furniture to buy, and so much more. But when it comes to insurance, it’s probably something that isn’t necessarily high on your list of to-dos. That being said, our friends at Muller Insurance have rounded up their five top tips for getting insurance when renting an apartment. Here is everything you need to know about renting an apartment and what your renters’ insurance may cover.

1. Remember: YOU Are Responsible for Your Personal Property

Your landlord is not financially responsible for your personal property or living expenses if a fire, theft  or catastrophe occurs. The only way to protect yourself is to purchase a renters insurance policy. In order to determine how much insurance to buy, you need to determine the value of your possessions including jewelry, art, collectibles.

2. Make an Inventory List

Make an inventory list of all of your possessions and take photos of your personal property. Keep it in a safe place {offsite in particular}. This is helpful for example if a fire occurs, you can provide documentation to your insurance carrier of what you had in your home.

3. The 101: Liability Coverage

Renters Insurance also provides liability coverage in the event of a lawsuit brought against you. {Things like dog bite, fire caused by your negligence — and it also includes defamation, slander, personal injury.}

4. Use an Independent Agent for Renter’s Insurance

Renters Insurance is easy to get, so there are many companies to choose from. This is why an independent agent {like Muller Insurance} is helpful — because there are so many companies to choose from and they can help you design a policy right for you.

Read More: Muller Insurance – The Oldest Business in Hoboken 

5. Identity Theft Coverage

Possibly the most anxiety-producing type of situation, but it’s a little-known fact that identity theft is actually covered on certain renters’ insurance policies. Say you lose your wallet, it’s stolen — and you’re exposed with all your cards and ID at the mercy of whomever took it. Or, perhaps you’re shopping on the internet {where there are so many hackers ready to take your identity}. Renters insurance can help protect you with the right coverage — so make sure to ask about it.


To get in touch or request a quote for insurance, call Muller Insurance at {201} 659-2403 or email help@mullerinsurance.com.

Tell them HobokenGirl.com sent you! 


*This post is sponsored by Muller Insurance*


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Nicole's love for Hoboken was sparked during a summer internship at New York Magazine. While she's not working out or perfecting her brows, Nicole can be found at any place with a great breakfast menu. She is sometimes guilty of liking dogs a little bit more than people, but it's because her own huskies have left a permanent imprint on her heart — though she does have a low key corgi obsession {something about those little legs}. Nicole is also a firm believer that there's nothing a new pair of shoes can't fix. Being a lover of new adventures, Nicole can't wait to travel and see where her '20s lead her.

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