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apartment interior, couch, tv, table, chair

Renters insurance protects the possessions of tenants from a wide-range of catastrophes, such as a fire, theft, or environmental factors, like a tornado--all of which can happen in the Bloomington-Normal area. Whether you’re a student who’s moving into your very first apartment or a professional just looking to make a change in your living space, renters insurance is absolutely necessary.

Read below for stories of people who wish that they had had renters insurance.


Protection Against Theft

Even though BloNo is a relatively safe area, you really never can be too safe. Marissa D., a college senior, told us this story:

“The area that I lived in was really safe. It was my first apartment, so my parents were insistent that it was in a nice area. Even so, I took the necessary precautions when I went home for Christmas break. I made sure all of the doors and windows were locked.”

Unfortunately for Marissa, that wasn’t enough.

“Someone broke in over break. It looked like they were able to pick the lock. They took my TV, my laptop, and some other miscellaneous electronics. I ended up losing over $1000 worth of stuff.”


Protection Against the Environment

Much like protection against theft, it is possible to take some precautions to avoid weather catastrophes. However, weather, by definition, can be unpredictable. We talked to John S., a young professional, who had this story for us:

“I had been living in my apartment for about three years. It was nice. Anyway, one day when I was at work, a tornado rolled through our area. My windows were blown out and rainwater came  into my apartment. I discovered that Landlords are not responsible for tenants’ property.  My TV and laptop were ruined and I had no coverage because I didn’t have renters insurance. Thankfully, the damaged floors and windows were covered by the Landlord’s policy."

Renters Insurance in Bloomington, IL

Even though these stories may seem unlikely, things like this happen all of the time. Unfortunately, neither of the people in these stories had renters insurance and ended up paying for the loss themselves.

At PLR, we believe that everyone's insurance needs are not the same. Because of that, our approach to insurance begins with a conversation; we want to learn about you--your life, your home, your needs. We use that information and our expertise to match you with the policy that gives you the coverage and peace of mind you need, without busting your bank account.

If you are ready to start the conversation, you can get in touch with us here.

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