We know how delightful a warm fire is in the winter months. Cuddling up with a cup of hot cocoa and reading your favorite book. However, as the temperature drops the risk of a house fire rises. Renters especially need to be aware of the coverage that they have for personal belongings since this is not covered by your landlord. Here are a few things to keep in mind:

• Your personal property is NOT covered if you do not have a renters policy
• You have no personal liability coverage if someone is injured on your property due to your negligence
• Renters insurance covers your personal belongings anywhere. For example, if your car is broken into and your ipod is stolen, your car insurance does not cover this loss. However, your renters policy would

If you are a renter, call your insurance agent today to make sure you have enough coverage in the event of a fire or any other loss you may suffer. Renters insurance is generally very inexpensive, but it is nothing compared to the peace of mind you will have knowing that you have all the protection you need.