Why should you get renters insurance in Kentucky?
Theft
U.S. Department of Justice's Bureau of Justice Statistics reports that rented households were burglarized at rates 79 percent higher than owned households. In 2001, the bureau reported that rented households experienced 210 property crimes per 1,000 households nationwide, while owned households experienced only 146 property crimes per 1,000 households. In 2004 alone, 968,932 burglaries occurred in the South according to statistics reported by the Federal Bureau of Investigation. As you can see, the most common threat to an apartment unit in the nation, as well as in Kentucky, is burglary. Unfortunately, your apartment community's insurance policy does not cover your property lost due to theft. Do not let fences or gates at your community mislead you to think it is safer. On most low-crime properties, the main purpose of these gates for apartment properties is to provide the sense of privacy and exclusivity.
Fire
Fire is a risk in all states, including Kentucky. The U.S. Fire Administration reports that direct property loss due to fires was estimated at $9.8 billion in 2004. According to the Federal Emergency Management Agency, apartment fires accounted for 23 percent of residential fires between 1992 and 2001 as well as accounted for 20 percent of the dollar loss from residential fires during these years. With these kinds of statistics, it is better to be prepared and protect your property from this risk.
Renters Insurance
Countrywide Insurance Services (CIS) is dedicated to being your premier provider of insurance choices and solutions. Your personal property is a valuable asset. Computer and stereo equipment, televisions and other household items are expensive to replace if they are damaged or stolen. While these personal possessions are not covered under your landlord's insurance policy, you can protect them with Renters Insurance from Countrywide.
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