{"id":21,"date":"2016-06-16T02:00:00","date_gmt":"2016-06-16T14:00:00","guid":{"rendered":"http:\/\/www.hbwins.com\/blog\/?p=21"},"modified":"2016-07-14T13:28:56","modified_gmt":"2016-07-14T19:28:56","slug":"renters-insurance-catonsville-md","status":"publish","type":"post","link":"https:\/\/www.hbwins.com\/blog\/renters-insurance-catonsville-md\/","title":{"rendered":"What Renter&#8217;s Insurance Does"},"content":{"rendered":"<p>If you happen to be living in an apartment, the last thing on your mind might be renter&rsquo;s insurance.&nbsp; For one thing, you don&rsquo;t own the apartment and for another, surely the landlord has insured it.&nbsp; Thirdly, you probably aren&rsquo;t in possession of anything that is priceless.<\/p>\n<p>However, what happens if:<\/p>\n<ul>\n<li>There is a fire in the building and you lose everything you own and now have no place to lay your head?<\/li>\n<li>Someone breaks in and steals your TV, music player, cell phone, laptop or anything else?<\/li>\n<li>The cable installer falls in your apartment and decides to sue you?<\/li>\n<\/ul>\n<p>If you don&rsquo;t have renter&rsquo;s insurance, you will be the one responsible for replacing all of your stuff, even if it isn&rsquo;t your fault that they are damaged or lost.&nbsp; Take a minute and just consider what it would cost to replace all of your clothes, furniture, and electronics.&nbsp; The amount can be astonishing.<\/p>\n<p>Things that renter&rsquo;s insurance can cover include things like theft, damage from fire and smoke, water damage, temporary living expenses if you can&rsquo;t use your apartment, liability protection in case anyone is injured in your apartment.&nbsp;<\/p>\n<p>Another great thing about renter&rsquo;s insurance is that it is really more affordable than you might think.&nbsp; Think about the amount of deductible you need to have.&nbsp; While higher deductibles mean that the price of insurance will be lower, how much can you afford out of pocket if you have a claim?<\/p>\n<p>Renter&rsquo;s insurance can be well worth the time to look into it and in the end, it can even save you thousands of dollars if the unthinkable happens.&nbsp; If you are in the Catonsville, MD area, call or stop by HBW Insurance Group to find out more about renter&rsquo;s insurance and how it can help you today.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you happen to be living in an apartment, the last thing on your mind might be renter&rsquo;s insurance.&nbsp; For one thing, you don&rsquo;t own the apartment and for another, surely the landlord has insured it.&nbsp; Thirdly, you probably aren&rsquo;t in possession of anything that is priceless. However, what happens if: There is a fire [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[5],"class_list":["post-21","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-hbw-insurance-group"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.hbwins.com\/blog\/wp-json\/wp\/v2\/posts\/21","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hbwins.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hbwins.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hbwins.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hbwins.com\/blog\/wp-json\/wp\/v2\/comments?post=21"}],"version-history":[{"count":1,"href":"https:\/\/www.hbwins.com\/blog\/wp-json\/wp\/v2\/posts\/21\/revisions"}],"predecessor-version":[{"id":22,"href":"https:\/\/www.hbwins.com\/blog\/wp-json\/wp\/v2\/posts\/21\/revisions\/22"}],"wp:attachment":[{"href":"https:\/\/www.hbwins.com\/blog\/wp-json\/wp\/v2\/media?parent=21"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hbwins.com\/blog\/wp-json\/wp\/v2\/categories?post=21"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hbwins.com\/blog\/wp-json\/wp\/v2\/tags?post=21"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}