Less busy yet just as exciting as Manhattan, Jersey City welcomes more and more people every year. An abundance of entertainment options makes Jersey City a great destination for all kinds of people, most of whom rent. If you are renting as well, you should remember to get renters insurance.

Looking for a quote? Get a quote for renters insurance in Jersey City in 2 minutes on Bungalow. No one makes it easier!

You also might be wondering why would you need renters insurance – Jersey City is known to be safe. Even so, there are many things you can’t foresee that might bring damage to your apartment or your belongings inside. Hopefully the following reasons will convince you that you should always remember to buy renters insurance.

Why you need renters insurance in Jersey City

Could you afford to replace all your stuff if your apartment burned down or was swept away in a storm? Renters insurance covers both cases – and much less dramatic ones!

Also keep in mind that Jersey City, despite all of its cultural appeal, still has crime like any major urban area. Renters insurance will protect you from theft and vandalism.  Don’t believe us about all these benefits? Check out why the New York Times recommends purchasing renters insurance.

Additionally, many landlords now require that renters buy insurance in Jersey City. This helps both the landlord and the renter!

If your landlord already has insurance, do you need to buy renters insurance in Jersey City?

Your landlord’s insurance only covers the building you live in, not your belongings inside. That’s what renters insurance is for! Can you imagine buying new furniture, laptops, and clothes out of your pocket if your apartment burns down? For just a few dollars per month, renters insurance will replace your belongings if they are lost or damaged.

What else does renters insurance cover besides my property?

Renters insurance also has the following coverages:

Personal Liability – This will help cover your costs if you accidentally hurt someone or someone’s property and get sued as a result. A typical amount is $300,000.

Medical Coverage – This will help pay for medical expenses if someone is hurt on your property. Insurance companies provide this to help avoid lawsuits. A typical amount is $3,000.

Loss of Use – This will pay for a hotel or somewhere else for you to stay if you something happens to your apartment. A typical amount of coverage is $5,000.

With all these coverages, it’s no wonder that US News says you can’t afford to skip buying renters insurance.

Is renters insurance expensive or hard to buy?

Hopefully by now, you would agree that renters in Jersey City should have renters insurance. So what’s stopping you? Many people think that renters insurance is too expensive. Luckily for you, that’s just a common misconception. Renters insurance in Jersey City typically costs $15-$25 dollars per month. Most people will spend that much taking the PATH to Manhattan this month. Not so bad, huh?

What else? Getting renters insurance is boring and complicated, you say. Well, here you got me. Generally, getting renters insurance is a somewhat tedious process. With most companies you’ll my have to speak to an agent over the phone or in person. But that is exactly why we created Bungalow – to make buying renters insurance quick and easy, right online.

Now you have no excuses stopping you from getting a renters insurance. Get a free quote today 

If you have additional questions about renters insurance, check out our more comprehensive Millennial’s Guide to the Best Renters Insurance.