Lessons Learned From Facebook

You can learn a lot on Facebook.  I was reading a post on a Facebook group the other day; a gentleman was asking if anyone could use him for some odd jobs around the house, because he needed some money to pay for medical bills.  His son was bit by the neighbor’s dog and he had to take his son to the emergency room.  I messaged the gentleman to explain that he should call the neighbor’s insurance company because the liability on the home policy would pay for the injuries.  His response was that the neighbors were renters and didn’t have renter’s insurance; he also wrote that the insurance company of the home owner wouldn’t pay either because it’s not their responsibility.  It is a sad situation that this gentleman has to pay the medical bill due to someone else’s negligence.

 

Even if you’re just renting, having renters insurance is very important.  It covers your personal items in the event of your items being stolen, burnt in a fire, or any covered loss.  It also covers your liability; in this case the renter’s liability would have covered the medical bills for the dog bite.  Liability insurance also could cover you in case your kids do something to injure someone.  The gentleman mentioned above has every right to take the renter of the house to court and force him to pay the medical bills.  If he does so, and wins in court, he can go after the renter’s bank accounts, future wages, or any assets. 

 

Most renter’s insurance start under $20* a month and usually gives you a discount on your auto insurance.  It’s a no brainer, get renter’s insurance and get a little peace of mind. 

 

Raymond E. Grim is an insurance agent in Surprise, AZ.  He has been serving the northwest valley since 2001 and has earned numerous customer service awards.  He can be reached at rgrim@amfam.com or 623-876-1793.  He specializes in auto, home, business, commercial, and life insurance.         

 

 

#SurpriseInsuranceAgent  

 

 

 

*Renters insurance eligibility is subject to underwriting criteria and rates are determined by many factors.

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