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Renters insurance includes three important types of financial protection:

• Coverage for Personal Possessions

• Liability Protection

• Additional Living Expenses

Should I get replacement cost or actual cash value coverage?

An actual cash value policy pays to replace your possessions minus a deduction for depreciation whereas a replacement cost policy will pay the cost of replacing your possessions without accounting for depreciation. Although the price of the replacement cost policy is about 10% more, it can be worth the extra expense as depreciation of the value of goods can be rather quick.

Discounts

Although they vary widely by company, you can qualify for some of the following discounts. Review your options carefully and mention them to one of our agents!

• Have a security system

• Use smoke detectors

• Use deadbolt locks

• Have good credit

• Have multiple policies

• Stay with the same insurer

• Are over 55 years old

Let Griffith Insurance & Financial Services, Inc. help you choose a policy that will fit your individual needs.  Protecting your assets, whether personal, business or both, is our goal.