The superpowers of renters insurance

There are plenty of reasons why renters insurance is a smart move, and you probably know most of them, but did you know that you can actually take more from your renters insurance other than claims for fire incidents and burglaries?

We’ve compiled a list with some of the most unexpected, but financial painful, scenarios that might be the last piece you need to pick up the phone and call a renters insurance agent.

1. You’re back from your much deserved vacation only to realize that your luggage gets lost, again. Who you gonna call?
2. Your darling Fido got fed up with everyone telling you and him how adorable and cute he is that when the 300^th tourist tried to take a photo of him, he gave the tourist more than just a snap of his great figure, but a tattoo of his teeth on his arm. Hello, renters insurance!
3. Your friend comes over for some delicious home-cooked meal. The trouble is that you forget to take your bag of groceries out of the way and he trips over it, breaking a newly capped tooth. Both of you can go ahead and smile, your renters insurance will take care of that.
4. You then went to the dry cleaners where your clothes were not just cleaned, but went up in smoke. This is when you wish you can still find another Cashmere sweater at 70 percent off.
5. Rush hour—of course you didn’t see that guy dressed in neon orange overalls and ran into him with your bike, and of course he sued you. Hello again, renters insurance!
6. Bikes are not allowed inside your apartment as per your lease agreement, thus you got a storage unit. Somehow, someone found their way into your basement storage and left on your new mountain bike. Now what? Thanks for your service, renters insurance!
7. You’re really proud of your new flat screen TV. But then a power surge hits your building, frying the 42-inch LCD. Yes, you’re right, your renters insurance could get you a new one.
8. After all the hassle, all you want is just some relaxation. You turn on the water to fill your bathtub, but remember that the wine bottle you opened needs decanting. You head to the kitchen to deal with it, but forget about the running water and the tub overflows in the apartment below. Oops!
9. Someone in your building plugs too many appliances into an outlet and sets the apartment on fire. You have to vacate yours and stay in a hotel while repairs and cleaning are completed. No, you’re not paying for the hotel – that’s what renters insurance is for.