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Thursday, 28 July 2011 18:10

Many people are forced to tighten their belts these days. Even renters insurance, which generally averages $15 to $30 a month, can be a stretch for some budgets. It’s important for renters to know what may be factored into their premiums.

Renters insurance rates can vary depending on the value of the possessions being covered. Larger dwellings typically cost more to insure. There are ways, however, to save on renters insurance.

Certain safety devices may result in lower rates. The National Association of Insurance Commissioners (NAIC) says many insurers offer discounts for fire alarms, sprinkler systems and deadbolt locks.

Conversely, there are factors that can result in higher renter insurance rates. In some situations, additional insurance may be required to cover damage from pets, according to the NAIC.

Paying more for insurance can be a good investment. The Savannah Morning News says “replacement cost coverage is slightly more expensive; however, it’s usually worth it. Technology items, such as computers, lose value after just one or two years. This means a computer you bought last year for $1,200 may only be worth $720 this year.”

Renters should discuss their coverage options with an agent to make sure they are getting the level of insurance needed.