What if a candle tips over and catches your apartment on fire? What if your neighbor upstairs accidentally walks away from a plugged bath and causes a major flood? What if your neighbor starts a cooking fire and it spreads to your apartment?

Everyday these ‘what if’ scenarios occur in apartment communities. So, what happens if a ‘what if’ happens to you? Well, if you don’t have renter’s insurance, you may lose everything! Your neighbor doesn’t have to pay for your belongings and your landlord isn’t held responsible. In fact, without renter’s insurance, even in accidents that you didn’t cause, you are held responsible for replacing your possessions. And, even worse, if you are responsible for an accident that causes damage to the property, loss to others, or even causes injury to an individual, you could be held liable…even to the apartment owner! The only way to protect yourself and your belongings is by enrolling in a renter’s insurance policy.

Renter’s insurance policies are very inexpensive. Depending on where you live, and the policy you choose, you might spend less than $100 per year on a renter’s insurance policy. As an added service to our residents, Berger Rental Communities has partnered with a leading insurance company to offer residents pre-approved, low-cost insurance protection. The eRenterPlan insurance program is designed specifically for residents of professionally managed apartment communities and is automatically available to all of our residents. Even if renter’s insurance is not a requirement in your lease, it is an essential part of renting. If you do not currently have renter’s insurance, consider obtaining it, and hope that you never have to use it.