For more information about the author, click to view their website: Laurel Flowers - State Farm Insurance Agent
How do I know how much renters insurance to buy?
Tips to help choose accurate, appropriate limits for your
personal property and liability coverage.
You've followed your rental guide and it's time to move in!
Your furniture is in place, the utilities are hooked up and your rental unit is
starting to look like a home. And now you might be asking yourself — do I need
renters insurance? It is estimated that 56% of renters do not have renters
insurance.
A renters policy is more important, accessible and affordable
than you might think, and in some cases, renters insurance is required by
landlords. But renters are often unclear about what renters insurance is, what
it covers and how much they need.
What does renters insurance cover?
In short, renters insurance covers what you own. Most
landlord's insurance covers only the building and damages due to negligence.
Getting coverage for some of the most common causes of property damage and loss
— such as theft, vandalism and fire — is entirely up to you. Without renters
insurance, you may have to bear the financial burden of a loss on your own,
including the cost of a hotel stay if you cannot live in your apartment while
repairs are made.
Want to protect your stuff?
Most renters' belongings cost more than they think. The
average person has $30,000 worth of belongings that are probably not covered by
a landlord's policy. Take a moment to add up the approximate cost of your
computer, television, stereo, furniture, jewelry and clothing. If a fire gutted
your apartment tomorrow, would you have the cash to replace it all?
Renters insurance also covers much more than just your
personal property. The average policy can include up to $100,000 in liability
coverage. That means in the event of a covered loss, your insurer will help
cover the costs if you're held responsible for injuring another person or
damaging another person's property. Moreover, this coverage applies whether the
incident occurred within your residence or elsewhere.
Be sure you have coverage against the unexpected with renters
insurance. Get a free quote now.
How much renters insurance do I need?
Renters insurance is relatively inexpensive. According to
NerdWallet, the average renters policy costs about $15 per month for up to
$30,000 in personal property coverage. That's solid coverage for less than the
cost of a few cups of coffee a week. Here are some tips to help you determine
your insurance needs.
Complete an inventory of your possessions. Personal property coverage is
probably the main reason most purchase a renters policy. The coverage will
reimburse you for covered loss, damage or theft of your personal possessions up
to a certain dollar amount. Completing a home inventory is a good way to
determine how much property coverage you need. This inventory lists your
personal possessions, along with details about their age, purchase price or
current value and other identifying information. While you’re at it, take
pictures or a video of your property.
Check with your insurance agent about discounts. Many insurers offer significant
discounts if you buy more than one policy with their company. For renters, this
usually means purchasing auto insurance with a renters policy. But life,
business and other plans may also qualify.
Choose the right deductible. A deductible is the amount of a
covered loss that you pay out of your own pocket. In other words, it's the
amount "deducted" from any payout by your insurer. For example, if a
fire causes $1,500 in insured damage to your personal property and your
deductible is $500, then your insurer will pay you $1,000.
Your renters insurance premiums will reflect the deductibles
you agree to pay. Lower deductibles mean higher premiums; higher deductibles
mean lower premiums. Keep in mind that an insurer will not reimburse you for a
loss amount that is lower than the deductible. This means if your deductible is
$2,000 and you suffer $1,750 in losses, then you are entirely responsible for
those costs, even if the cause of the loss is covered by your policy.
When choosing a deductible, think carefully about the
out-of-pocket costs that you are willing, and able, to pay. A disciplined saver
may be able to offset the greater risk of a high deductible with cash reserves.
Others, however, will have to balance the benefit of a higher deductible
against the risk of greater out-of-pocket expenses.
Assess your liability. Your renters policy's liability coverage may protect you if
someone injures themselves in your home. It may also protect you in case you
cause damage to others' property. Some policies will pay for defense and court
costs in addition to settlement costs. The typical renters insurance policy
offers $100,000 in liability coverage. For renters, this amount is often
sufficient. However, if you entertain company frequently at your home or if
your assets exceed your limit, you should consider a coverage amount equal to
at least the total value of your assets.
Supplement coverage if necessary. Keep in mind that your policy will
exclude certain perils (such as earthquake and flood losses), limit coverage on
some items (such as computers, firearms and silverware) and might not cover a
business in your home. If you have special insurance needs, talk to your agent
about extending limits or adding separate policies.
And finally, where your apartment is located will play an
important role in determining your renters insurance rates. Prices will vary
based on your state, city and neighborhood. Safer locations might mean lower
rates, so renting in a low-crime area near a fire station might save you money.
Your rates will also reflect the safety of the rental property itself. For
example, an older, unrenovated building might have a higher risk of electrical
and plumbing issues, and that can mean higher rates. Fortunately, steps as
simple as installing smoke detectors and fire extinguishers in your apartment
may mean real savings, even if you do rent an older property.
This article was contributed
by Laurel Flowers State Farm Insurance Agent located in Saraland, Alabama. You can contact Laurel Flowers State Farm
team for a renter’s insurance quote.
Call 251-675-4736.
By Brandis Meeks, owner of The Property Buyers | October 2026Quick answer: You can sell your Colorado home without any cleanout by selling directly to a professional cash buyer. You take the items that matter to you and leave everything else behind, from furniture and boxes to garage and basement contents. The buyer handles the removal after closing. You avoid weeks of sorting and hauling, plus the cost of junk removal, in exchange for an as-is price.After 30, 40, or 50 years in one home, most people have accumulated far more than they realize. For many Colorado seniors, the thought of emptying a house before selling it is the biggest obstacle to moving forward, often bigger than the sale itself.Why is cleaning out a longtime home so hard?Cleaning out a longtime home is hard because it is physically demanding, time-consuming, and emotional all at once. Every drawer, closet, and box requires a decision. Basements, garages, attics, and sheds often hold decades of items, and much of it is heavy or stored on stairs. Adult children may live out of state and can help only in short visits. When the home belonged to a spouse or parent who has passed away, each item can carry grief along with it.Hire a real estate agent and be prepared to clean out the house before listing.A traditional listing usually requires an empty, clean, show-ready home. Getting there often involves these steps:Sorting belongings into keep, sell, donate, and discardHolding an estate sale or selling items individuallyScheduling donation pickups and multiple junk-removal loadsRenting a dumpster, which some cities require a permit for when it sits on the streetArranging special disposal for old paint, chemicals, and electronics, which can't go in regular trashDeep cleaning, then handling repairs that only become visible once rooms are emptyThe whole process can stretch from weeks into months, and the costs add up before the home is ever listed.How does selling to a professional cash buyer eliminate the cleanout?A professional cash buyer purchases the home with its contents included, so the seller does no clearing, hauling, or cleaning. You remove what you want to keep, and the buyer takes care of the rest after closing. The cost of the cleanout is built into the buyer's offer instead of coming out of your pocket upfront. There are no dumpsters in the driveway and no deadlines tied to showings.What should I take out before selling a house as-is?Even with no cleanout required, walk through the home and gather anything irreplaceable or sensitive before closing:Family photos, albums, and home videosImportant documents, including wills, deeds, tax and financial records, and passportsJewelry, heirlooms, and items promised to family membersMedications and firearms, which should be removed and handled properlyCheck unexpected places, too. Cash, documents, and keepsakes often turn up inside books, coat pockets, freezers, and the backs of drawers.Is a no-cleanout sale right for everyone?A no-cleanout sale isn't the best fit for every homeowner. If a home is in good condition and you have the time, energy, and help to clear it, listing it traditionally may bring a higher price. A no-cleanout cash sale tends to make the most sense in these situations:The volume of belongings is overwhelming.Health or mobility limits what you can do.The family lives far away and cannot help.The home was inherited.A move to assisted living sets a firm deadline.Comparing your estimated net proceeds under each option will show which one serves you better.What about homes with hoarding or heavy clutter?Homes with hoarding or heavy clutter can be sold as-is, and there's no need to clean before a buyer's walkthrough. Hoarding is more common than many people think, and it often develops gradually after a loss, an illness, or years of living alone. Experienced professional buyers have seen every situation, and a respectful buyer will focus on the home, not pass judgment on it.So skip the garage sale and consider calling a local Professional Cash Home Buying Company instead!Frequently Asked Questions:Can I leave furniture and belongings behind when I sell my house?Yes, when you sell to a cash buyer who agrees to purchase the home with its contents, as written in the purchase contract. Traditional buyers usually expect an empty home at closing.Who pays for the cleanout in a cash sale?The buyer pays for the cleanout.Do I need to clean my house before a cash buyer's walkthrough?No. Professional cash buyers expect to see a home as it is and account for its condition in the offer.What happens to the items I leave behind?The buyer removes them after closing. Ask how left-behind items will be handled, such as donation, recycling, or disposal.Can family members still take items after I accept an offer?Usually, yes. A flexible closing date gives family time to collect keepsakes before the sale is finalized.About The Property BuyersThe Property Buyers are a Professional Cash Home buying company based in Aurora, Colorado Since 2008, it has purchased houses in any condition across the Denver metro area, including Aurora, Denver, Lakewood, and Centennial, Englewood and surrounding cities. The company maintains an A+ by the Better Business Bureau, has only 5-Star Google Reviews and buys homes as-is with no repairs, no cleanout, and no agent commissions. Learn more at thepropertybuyers.com or call 720-650-7986.
Navigating Later-in-Life Moves: You Don't Have to Do It AloneUsually, moves that happen later in ones life are necessary moves. They are different from the moves we make when we are younger to celebrate an exciting change, like marriage, the birth of a child, or a job promotion.Sometimes a later-in-life move is planned and all parties are excitedlike when a grandparent is invited to move in with their adult childs family (multi-generational living) or a couple chooses to "right-size" into a smaller home for a safer environment and less maintenance.At other times, later-in-life moves are not a matter of choice. They are often related to aging: physical limitations, cognitive decline, illness, or even the loss of a spouse. These can be challenging transitions that usually require more help from extended family members and/or hired professionals. Because adult children often live far away, are busy working, or are raising their own families, their time can be limited, making professional support essential.Later-in-life moves are complex and deeply emotional journeys for everyone involved. I helped my own parents move from their home into an assisted living community in Boulder a few years ago, so I truly understand the challenges. That experience inspired me to help other families navigate these life changes. I know first-hand how essential it is to have a reliable team, clear guidance, and compassionate support.As a designated Senior Real Estate Specialist (SRES ), I bring both professional expertise and deep personal empathy to every transition. I consider it an honor to guide families through these later-in-life moves.By Laura Lambrecht
Senior Relocation in Monmouth & Ocean Counties: Why Moving Is About More Than Finding a HousePicture two homes.The first has the perfect number of bedrooms, a beautiful kitchen and a price that fits the budget.The second is slightly smaller but is closer to family, restaurants, healthcare, shopping and the activities the homeowner enjoys.Which one is actually the better home?For a senior relocation, the answer often depends on what happens outside the front door.That is why choosing a new home later in life should be about more than bedrooms, bathrooms and square footage.It should be about lifestyle.A Home Is Part of a Larger CommunityFor many older adults, the neighborhood becomes increasingly important.A senior may want to be close to a favorite restaurant in Red Bank, family in Middletown, the beaches along the Jersey Shore, golf courses, shopping or community activities.Someone else may want a quiet neighborhood where they can spend more time at home.The right choice is personal.Monica Reddin's professional background and local market experience give her an understanding of the communities that make up Monmouth and Ocean Counties and the surrounding Central Jersey area.Think About the Next Five to Ten YearsA common mistake is choosing a home based exclusively on what works today.Instead, consider what may matter several years from now.That does not mean assuming something will go wrong.It means choosing flexibility.Ask: Is there a first-floor bedroom? Are the bathrooms convenient? Is there excessive maintenance? Are there stairs? Is the home easy to enter and exit? Is shopping nearby? Is family reasonably close? Is there access to transportation? Can the homeowner remain socially connected? These considerations can make a home more adaptable.The Importance of Right-SizingSome homeowners do not need a dramatically smaller house.They simply need a better-fitting house.That is the idea behind right-sizing.Maybe the homeowner wants: A smaller yard Fewer stairs Less exterior maintenance A garage A first-floor primary suite A manageable condominium An active-adult community A home closer to family A home closer to healthcare and shopping The goal is to match the property to the lifestyle.Why Local Knowledge MattersOnline real-estate searches can show properties, but they do not always explain what daily life feels like in a particular location.Local expertise matters.A REALTOR who works across Monmouth and Ocean Counties can help buyers understand differences among communities and neighborhoods.For example, a buyer considering Middletown may have very different priorities from someone looking in Toms River or Howell.Even neighboring communities can have different housing stock, commuting patterns, amenities and lifestyle characteristics.Moving to a New Community Can Be ExcitingRelocation is sometimes portrayed only as a difficult transition.But a move can also open the door to new experiences.A smaller home can mean less maintenance.A 55+ community can provide new social opportunities.Moving closer to family can mean more spontaneous dinners and visits with grandchildren.Relocating near the Shore can make it easier to enjoy favorite Jersey Shore destinations.A move can also provide an opportunity to finally choose a location based on how you want to live rather than where you needed to live decades earlier.What Should Buyers Look For During a Home Tour?Don't simply walk through the rooms.Imagine living there.Stand in the kitchen and picture making breakfast.Walk from the bedroom to the bathroom.Consider where groceries would be unloaded.Look at the stairs.Open cabinets.Check lighting.Think about where guests would sit.Then step outside.How easy is it to get to the car?How busy is the street?What is nearby?Would you feel comfortable walking?This type of practical evaluation can reveal things that photographs never show.Make the Move About the PersonSenior relocation works best when the older adult remains at the center of the process.Family members may have opinions.Adult children may have concerns.Professionals may provide advice.But the senior's goals should remain an important part of the conversation whenever possible.Monica's approach emphasizes that personal dimension.Family and community mean everything to me, and I bring that same care to real estate.What Makes a Senior Relocation Specialist Different?A senior-focused REALTOR understands that the transaction may involve more than buying or selling property.It can involve: Downsizing Decluttering Timing the sale and purchase Relocating closer to family Comparing 55+ communities Planning for lower maintenance Coordinating with other professionals Transitioning from a longtime home Evaluating a new community Monica holds the Seniors Real Estate Specialist designation, reflecting specialized education focused on the needs of older adults in real estate.Frequently Asked QuestionsWhat is senior relocation?Senior relocation is the process of helping an older adult transition from one home or community to another while considering real-estate, lifestyle, timing and practical needs.Why should seniors work with a senior-focused REALTOR?A senior-focused REALTOR can bring specialized knowledge to situations involving downsizing, 55+ communities, relocation closer to family and later-life housing transitions.What areas does Monica Reddin serve?Monica's professional profiles identify Monmouth and Ocean Counties along with other Central Jersey communities.Is moving to a 55+ community the only option for seniors?No. Seniors may choose a condominium, townhouse, smaller single-family home, active-adult community or another housing option depending on their goals.What should I do first if I am considering a senior move?Start with a conversation about lifestyle. Identify what is working, what is becoming difficult and what you want the next chapter to look like before focusing on individual properties.Learn MorePlanning a senior relocation in Monmouth, Ocean or surrounding Central Jersey communities? Visit Monica Reddin's Seniors Blue Book Listing: Homepage - MonicaReddin
Are you looking for reliable insurance coverage for your home, business, or auto needs? Look no further than Laurel Flowers, your local State Farm Agent with a stellar 5-star rating! As a hometown resident of Saraland, AL I am proud to serve the Mobile, AL area including Saraland, Satsuma, Chickasaw, Semmes, Bay Minette, and even the Eastern Shore area. However, our customers expand all over the Alabama area and in to Mississippi. I am a graduate of Satsuma High School and went on to earn undergraduate degrees in Mathematics and Business Finance as well as a Masters in Business Administration from the University of Mobile. I've been in the insurance industry since 2008 where I got my start working in a small agency in Daphne, AL. From then on it was my dream to one day open my own agency. After years of saving and learning the business I was able to open Laurel Flowers State Farm in the heart of my hometown Saraland, AL. Since then we've grown to a team of 7 licensed insurance professionals that care about this community!Our agency strives to do things differently. It is my job not only to have a relationship with our customers and provide excellent customer service but to create value for them by helping create a personalized plan to protect their income and assets and help them achieve their goals. We can help with car insurance, homeowners insurance, renters insurance, life insurance, accident insurance, and small business insurance as well as boat insurance, atv insurance, trailer insurance, and other recreational insurance policies.Laurel Flowers and her team are dedicated to providing top-notch service and personalized insurance solutions that fit your unique needs. With years of experience and a commitment to excellence, Laurel has earned the trust and admiration of countless satisfied clients. Whether you're protecting your home, securing your business, or ensuring your vehicle is covered, Laurel Flowers is here to help.Why choose Laurel Flowers State Farm Agency?5-Star Ratings: Exceptional service has earned her a 5-star rating from clients who appreciate her dedication and expertise. Personalized Solutions: Laurel and her team will take the time to understand your specific needs and tailors insurance plans that provide the best coverage for you. Local Expertise: As a local agent, they know the community and can offer insights and advice that are relevant to your area. Comprehensive Coverage: From home and business insurance to auto coverage, Laurel Flowers State Farm Agency has you covered with a wide range of options.Don't settle for less when it comes to your insurance needs. Choose Laurel Flowers, the State Farm Agent with a proven track record of excellence. Contact Laurel today to get started on securing your future with the best insurance coverage available.Give my office a call today at 251-675-4736 and talk to one of our exceptional team members about your insurance.
Are you looking for reliable insurance coverage for your home, business, or auto needs? Look no further than Laurel Flowers, your local State Farm Agent with a stellar 5-star rating! As a hometown resident of Saraland, AL I am proud to serve the Mobile, AL area including Saraland, Satsuma, Chickasaw, Semmes, Bay Minette, and even the Eastern Shore area. However, our customers expand all over the Alabama area and in to Mississippi. I am a graduate of Satsuma High School and went on to earn undergraduate degrees in Mathematics and Business Finance as well as a Masters in Business Administration from the University of Mobile. I've been in the insurance industry since 2008 where I got my start working in a small agency in Daphne, AL. From then on it was my dream to one day open my own agency. After years of saving and learning the business I was able to open Laurel Flowers State Farm in the heart of my hometown Saraland, AL. Since then we've grown to a team of 7 licensed insurance professionals that care about this community!Our agency strives to do things differently. It is my job not only to have a relationship with our customers and provide excellent customer service but to create value for them by helping create a personalized plan to protect their income and assets and help them achieve their goals. We can help with car insurance, homeowners insurance, renters insurance, life insurance, accident insurance, and small business insurance as well as boat insurance, atv insurance, trailer insurance, and other recreational insurance policies.Laurel Flowers and her team are dedicated to providing top-notch service and personalized insurance solutions that fit your unique needs. With years of experience and a commitment to excellence, Laurel has earned the trust and admiration of countless satisfied clients. Whether you're protecting your home, securing your business, or ensuring your vehicle is covered, Laurel Flowers is here to help.Why choose Laurel Flowers State Farm Agency?5-Star Ratings: Exceptional service has earned her a 5-star rating from clients who appreciate her dedication and expertise. Personalized Solutions: Laurel and her team will take the time to understand your specific needs and tailors insurance plans that provide the best coverage for you. Local Expertise: As a local agent, they know the community and can offer insights and advice that are relevant to your area. Comprehensive Coverage: From home and business insurance to auto coverage, Laurel Flowers State Farm Agency has you covered with a wide range of options.Don't settle for less when it comes to your insurance needs. Choose Laurel Flowers, the State Farm Agent with a proven track record of excellence. Contact Laurel today to get started on securing your future with the best insurance coverage available.Give my office a call today at 251-675-4736 and talk to one of our exceptional team members about your insurance.
Are you looking for reliable insurance coverage for your home, business, or auto needs? Look no further than Laurel Flowers, your local State Farm Agent with a stellar 5-star rating! As a hometown resident of Saraland, AL I am proud to serve the Mobile, AL area including Saraland, Satsuma, Chickasaw, Semmes, Bay Minette, and even the Eastern Shore area. However, our customers expand all over the Alabama area and in to Mississippi. I am a graduate of Satsuma High School and went on to earn undergraduate degrees in Mathematics and Business Finance as well as a Masters in Business Administration from the University of Mobile. I've been in the insurance industry since 2008 where I got my start working in a small agency in Daphne, AL. From then on it was my dream to one day open my own agency. After years of saving and learning the business I was able to open Laurel Flowers State Farm in the heart of my hometown Saraland, AL. Since then we've grown to a team of 7 licensed insurance professionals that care about this community!Our agency strives to do things differently. It is my job not only to have a relationship with our customers and provide excellent customer service but to create value for them by helping create a personalized plan to protect their income and assets and help them achieve their goals. We can help with car insurance, homeowners insurance, renters insurance, life insurance, accident insurance, and small business insurance as well as boat insurance, atv insurance, trailer insurance, and other recreational insurance policies.Laurel Flowers and her team are dedicated to providing top-notch service and personalized insurance solutions that fit your unique needs. With years of experience and a commitment to excellence, Laurel has earned the trust and admiration of countless satisfied clients. Whether you're protecting your home, securing your business, or ensuring your vehicle is covered, Laurel Flowers is here to help.Why choose Laurel Flowers State Farm Agency?5-Star Ratings: Exceptional service has earned her a 5-star rating from clients who appreciate her dedication and expertise. Personalized Solutions: Laurel and her team will take the time to understand your specific needs and tailors insurance plans that provide the best coverage for you. Local Expertise: As a local agent, they know the community and can offer insights and advice that are relevant to your area. Comprehensive Coverage: From home and business insurance to auto coverage, Laurel Flowers State Farm Agency has you covered with a wide range of options.Don't settle for less when it comes to your insurance needs. Choose Laurel Flowers, the State Farm Agent with a proven track record of excellence. Contact Laurel today to get started on securing your future with the best insurance coverage available.Give my office a call today at 251-675-4736 and talk to one of our exceptional team members about your insurance.