There are many risk factors that can affect the cost of your renter’s insurance policy. Did you know that 33% of burglars enter through the front door and 23% enter through windows? Make sure you have both deadbolts and secure window locks on all windows.
If your landlord has good security measures in place make sure to let your insurance company know as some companies offer discounts for those as well.
Reduce your risk of fire damage by making sure you have properly working smoke detectors as well as a fire extinguisher.
Other ways to receive discounts on your renters coverage is to maintain a good credit score. Opting to have automatic payments could help you receive a discount as well as saving on late fees for late payments. Also ask your agent about multi policy credits.
Above are several money saving options. It is important for you to make the right choice for your budget and your home or apartment. With the right coverage in place you will have peace of mind no matter what happens.