The winter is here and this is the time we see our largest share of apartment fires. Mostly due to how people choose to keep themselves warm.
With that being said, you do not want to forego insurance coverage. Especially if you reside in an apartment building, which can increase the possibility of risk. We see it every winter, people being displaced from their home. But there is hope! Renters insurance can help alleviate this worry!
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Most renter insurance policies will cover you from fire, water, theft, and more.
But most importantly it will put you in temporary housing if you were displaced from your home due to a claim. And that is the peace of mind that you and your family need. It will also reimburse you for damages made to your personal property.
Many of us can not indemnity ourselves, so we need insurance. Ask yourself, if you were displaced from your home due to a claim do you have the savings to purchase a new home, tomorrow?
If the answer is no, then you need to get renters insurance Today!

An endorsement, also known as a rider, is additional coverage you can get added to your homeowner insurance policy. But if you don't know, and your agent does not tell you, then you can be left uninsured. 
Insurance is forever changing. As well as, the options you can choose from.

The number 1 most filed claim is Wind & Hail, second is Water damage. Majority of our homeowner claims are due to water.

The two endorsements we feel no homeowner should go without is; Service line coverage and Sewer Water Back-up. They are frequently filed claims and can cost thousands in damage. 

Other endorsements may include:

• Identity Recovery Coverage
• Refrigerated Products
• Valuable Articles (Group or Itemized)
• Special computer coverage
• Earthquake
• Sinkhole collapse

And more!