Why should I have Renters Insurance?

What is contents/fire insurance?

Contents/fire insurance is inexpensive coverage that helps you replace your personal belongings, like your TV, laptop, clothes, furniture, or appliances, if they’re damaged or destroyed. It covers the valuables inside your home, not the walls or building structure. This kind of insurance can also help if you must leave your home after a disaster and need money to stay somewhere else.

Do I really need contents/fire insurance?

It’s strongly recommended. Here’s a scenario: Tiffany, a single mom renting an apartment, came home to find her building on fire. The fire didn’t start in her unit, but ruined her sofa, clothes, her son’s game console, her laptop and more. Without content/fire insurance, she would’ve had to start over from scratch, spending money she didn’t have.

But because Tiffany had contents/fire insurance, she got help replacing her things and even received a benefit to cover living expenses while she and her son stayed in a hotel. It gave her peace of mind when she needed it most. Who’s to say that won’t happen to you. It’s better to be safe than sorry.

What does the contents/fire insurance policy cover?

Unless otherwise excluded, policies cover the following named perils:

• Fire/Smoke & Lightning

• Windstorm (including Tornado & Hurricane)

• Hail

• Weight of Ice/Snow

• Explosion

• Vehicle/Aircraft Damage

• Civil Commotion and Riot

That means the things you use, and value are protected—even if the unexpected happens.

How do I know how much coverage I need?

A quick home inventory helps. Walk through your home and list what you own: TVs, furniture, appliances, clothing, electronics, etc., then estimate what it would cost to replace them. You might be surprised how fast it all adds up. Then talk to your insurance agent who can help you choose the right amount of coverage for your budget.

Is contents/fire insurance expensive?

You’d be surprised by how affordable it is. It’s worth it if paying out-of-pocket to replace your belongings would be a struggle. For as little as $1 a day*, you can get protection, peace of mind, and help when you need it most from a Kemper Life contents/fire policy.

Protect what matters. Kemper Life contents/fire insurance, can help protect the life you’ve worked so hard to build.

Find your local Kemper Life agent today and get covered.

*As little as $1/day depends on location, coverage, and policy options. Contact a Kemper Life agent to learn more

Sources:

[1] https://www.usfa.fema.gov/statistics/?utm_

[2] https://www.insurancebusinessmag.com/reinsurance/news/breaking-news/natural-disasters-caused-us368-billion-in-damages-in-2024-521797.aspx?utm