Why You Need Renters Insurance

January 17th, 2018
Location  •   Dallas, TX

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Oh boy. 

It’s been a while since I’ve had time to just sit down and unload the current situation Matt and I have found ourselves in. To be honest, it feels good to hit the pause button on New England content for a second and fill you all in on what has been the craziest start to 2018. Our TCC Crew jumped head first into 2018, aka our year of travel, by booking three trips in the next three months. Remember when I talked about using our vacations days and being over-ambitious in this post; well I 100% overbooked our schedules BUT I was happy that we were finally using our vacation days and making the most of what is going to be an amazing year. 

Anyway, on January 3rd I flew back to Dallas and decided to take a ‘half-sick day’. I knew our crew had a busy three months ahead of us and after being sick through the entire holiday season, I really wanted to take a day to myself. I simply wanted to watch Christmas movies, relax and rejuvenate my mind, body, and soul. I proceeded to turn my email auto-response on, told the crew I was sick (aka playing hooky) and got back into my pajamas to watch a whole bunch of Christmas movies. I made some hot tea, curled up onto the couch, put Christmas in Connecticut on and was ready for a peaceful and tech-free day. 

The joke was on me though guys, just 10 minutes into Christmas in Connecticut, I called Matt because our fire alarm was going off. Why did I call Matt? Mostly to complain because our fire alarm goes off almost monthly for ‘testing’, but as I’m on the phone with Matt I peer out of my window to see a downpour of water coming from the unit above ours straight onto the balcony.  

As I looked up at the amount of water coming down from the above unit, all I could say was…Matt this isn’t good.

After hanging up the phone I quickly gathered Eloise (our cat) and headed outside to notify the office. Matt was on lunch break so within 15 minutes he met me outside of the apartment, to go back up and investigate. I waited with Eloise in the car only to hear a frantic Matt screaming EVERYTHING IS UNDER WATER. Our entire apartment, minus our newly furnished bedroom, which you can see here, was calf deep in water. Let’s just say this was the least relaxing sick day, I’ve ever taken.  


Now looking back, Matt and I were extremely fortunate that I had been home for the flooding. We were able to get Eloise out of the apartment and into a dry place, whilst moving our expensive items like TVs, computers, flash drives, photos and sentimental things to a dry place (aka our bedroom). Basically, the pipes in the apartment above us broke, leading their sprinkler system to go off and flood their entire apartment, and our apartment got the aftermath as water came in from the ceiling completely destroying things like our couch, rugs, chairs, blankets etc. I mean the water was pretty nasty and ended up staining a majority of our furniture. 

Overall, Matt and I were so lucky that nothing that couldn’t be replaced got damaged and we were wise enough to have invested in renters insurance; which brings me to our post today. I honestly thought renters insurance was silly. I kept telling Matt things like: we don’t need it, I’ve lived in apartments before and nothing has ever happened, and basically every excuse in the book to talk him out of it. However Matt refused to budge on this issue and we ended up investing in renters insurance and honestly looking back, THANK GOD FOR MATT. 

With the help of our insurance company this issue has been quickly resolved and dealt with but without them, we would have been in a serious loss. So Matt’s going to take over and give you a few tips and tricks as to why you need renters insurance:  

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Why you need renters insurance: 


Many people like Aubrey don’t see the importance of insurance until a loss occurs like a flood, fire or car accident, and once this happens frankly it’s just too late to recover all of your damaged items. Your everyday items like your phone, laptop, clothes, and home decor values add up and you will quickly realize that after a loss. We are very thankful that we invested the $100-150 into a renters insurance policy because everything that was damaged from the loss will be paid for, providing us with the funds to repurchase the items. 

Another thing Aubrey didn’t consider when considering insurance was, where do you stay or eat when an incident does occur? Now, if you’re lucky enough to live near family, maybe you can bunk up with them, but with no immediate family in the Dallas area, Aubrey and I were out an apartment and in need of a place to stay. Again, thankfully we invested in renters insurance because they too provide us with funds to stay in a hotel and purchase meals until our apartment is habitable, which ended up being over two weeks in our circumstance. 

First and foremost, it is very important to talk to your landlord or apartment complex about their insurance policies before signing your lease, because many places only offer liability coverage within your agreement. This means that you’ll have coverage for the property itself but none of your personal items would be covered in the event of a loss. This is something that many college students including myself didn’t realize until our computers and TVs were stolen from our dorm room. It was our fault for just expecting the college to cover our personal property and not take the initiative of finding out what insurance policy we had while living at college. If your apartment complex’s insurance doesn’t cover PERSONAL PROPERTY or LOSS OF USE then invest the $100-150 into a renters insurance policy. No matter how you roll the dice, it’s not easy enduring a loss, especially if your personal and sentimental items end up damaged but having an insurance policy is a safety net that will make you rest that night knowing all of your items will be financially covered.


All in all, I hope this post inspires you to take a second out of your busy week to consider your insurance policy. Trust me when I say it’s literally the last thing I want to do, but looking back I’m so thankful Matt nagged me into signing the contract. On an exciting note, Matt and I are moving back to our unit today, and I can’t wait to have a kitchen again. Please leave a comment below if you’ve had a similar experience or any other insurance tips and tricks. 

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One thought on “Why You Need Renters Insurance

  1. Hillary

    Something very similar happened to me when I moved into my first post grad condo. I hadn’t even lived there two months when the pipes burst on my side of the building and I was out for 10 days while they cleaned up. I was so thankful I had the renters insurance my landlord had insisted I buy and I’ll never rent again without it.

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