The holiday season is a time of giving, receiving, and creating cherished memories. But amid the joy, it's crucial to recognize the potential risks that come with this festive time of year. As you gather with loved ones and travel to share the holiday cheer, consider the protection that renters insurance provides.

Guarding your new treasures

'Tis the season for new gifts and cherished possessions. From the latest tech gadgets to sparkling jewelry, your home may be brimming with new valuables. However, this can attract unwanted attention. Make sure your holiday haul is protected with renters insurance.

Leaving “Home Alone”

Remember the holiday movie “Home Alone,” where thieves targeted a house left empty over holiday break, only to encounter the ingenuity and vengeance of the mistakenly left behind Kevin McCallister? This isn’t to suggest that you booby trap your house while you’re away. But the reality is, your empty residence can be a target for opportunistic thieves or vandalism during the holidays. Renters insurance ensures your home is guarded, even when you’re miles away, creating a barrier against potential crime and theft.

Security for the students

This holiday season, every renter should consider renters insurance, especially full-time college students living away from home who need to be mindful of risks they may not have previously considered. While dorm living might provide some coverage under parents' insurance, valuable items (and thoughtful gifts) like electronics and musical instruments may face coverage limits. For students in off-campus housing, a separate renters insurance policy ensures peace of mind all throughout the year.

Low premiums for major protection

Renters insurance, which specifically covers the value of your possessions, is a holiday essential. The relatively low premiums are a small price to pay for the peace of mind that comes with safeguarding your festive season.

Startlingly, only around 40% of renters have renters insurance, according to the Insurance Information Institute. This means that a significant majority of renters are taking on unnecessary risks, leaving themselves exposed to potential holiday hazards such as theft, fire, or other unexpected events.

Coverage wrapped in security

Renters insurance generally offers a comprehensive package, including:

• Personal property protection: Whether you're at home or away, your belongings are covered.
• Loss of use coverage: If a covered event makes your home uninhabitable, additional living expenses are taken care of.
• Personal liability assurance: Protection against lawsuits for bodily injury, property damage, and personal injury damages, such as libel or slander. The specific coverages vary by state.
   

Get a quote for renters insurance with AAA today. Don't let the season's sparkle fade—protect your treasures with the trusted name in insurance.

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