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Since Abby made the smart decision to get renters insurance she was saved in more than one occasion. Since renters insurance doesn’t cost that much it is a good idea to get for different unforeseen situations. It’s better to be safe than sorry.

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Since Abby rejected the idea of Renters Insurance she really felt the consequences. She went through a couple scenarios where if she would’ve just paid the extra $19 each month she would’ve been in a better condition.

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Renters Insurance is there to help repair or replace any property that gets damage. Even if your landlord doesn’t require it it’s a good idea to get it. Compared to other insurances it’s very inexpensive. In Wisconsin, renters insurance is $122 a year or $10 a month. If you’re ever in doubt of getting renters insurance just know that you could have bad things happen to you, just like Abby Richard.

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You get home the next day from your concert. You had such a good time you didn’t have a worry in the world, but then soon stopped when you saw your apartment door ajar. As you went in there you were in utter shock. You were robbed. You ran throughout your place and saw what was all taken. You didn’t know what to do. You don’t have any security cameras in your apartment or even outside. You are out of luck. You call your mom and although she feels bad she tells you that if you would’ve just gotten renters insurance you would’ve been just fine.

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Oops……You were playing games with your friends when your curtains started on fire. You had lit a candle earlier that night and didn’t notice how big the flame had gotten. You thought it was weird that your smelt so much smoke, so when you walked into the living room you saw it ablaze you screamed. You were though prepared and ran to get the fire extinguisher and put out the fire, but it had already wrecked so much. You frantically call your landlord and tell him that your apartment is fine. Then he makes sure that you have renters insurance. Since you do you can get reimbursed for the items you lost.

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With your newfound friends in this town you decide to have a girls night at your place. You know it will be a fun night but you are scared for anything and to happen. Little do you know that’s just what is about to happen.

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In the last couple of months you’ve been able to save up even more money now. There’s been a few accidents along the way where renters insurance would’ve been nice, but all in all, you’re still alive so that’s all that matters. With your extra money you’ve been going out a lot at night. You’ve made new friends so all you want to do is hang out. Tonight you’re going to your favorite bands show. It’s a bit of a drive to get there but that doesn’t matter. You only have the concert on your mind, so little things are slipping your mind……..

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Oops. You’re too far down. Don’t go any farther or you’ll regret it!

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Oops. You’re too far down. Don’t go any farther or you’ll regret it!

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Just ask one of your coworkers and promise that you’ll pay them back next paycheck.

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Just ask one of your coworkers and promise that you’ll pay them back next paycheck.

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I don’t think I can pay for renters insurance, it will be better off if I just get off it.

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I don’t think I can pay for renters insurance, it will be better off if I just get off it.

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Your time has come to go to court and face any and all lawsuits that come your way. You’ve already had to pay different fees so far this month so making that extra $19 is going to be a struggle. Thankfully though when you were in front of the judge they recognized your renters insurance, and you got relieved of the lawsuit filed against you. Thank god. But now the only problem you have is paying that extra money.

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You’ve been getting a lot of hours at the diner lately, which means you are getting little to no sleep. You keep on forgetting to do small things like stopping at stop signs and actually putting your car in park. You decide one morning that instead of driving and probably running off the road, you’ll just ride your bike. Besides it’s a short shift today and you need some fresh air. On your way to work you looked down at your phone for just one quick second, then BOOM! You crash right into a runner. You start to panic and help them get up. They don’t look too hurt but they are livid. They insist that you give them your information to report it to their lawyer. What a great start to the day.

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You wondered too far. Go back and complete your adventure.

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You wondered too far. Go back and complete your adventure.

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Since you did take your mothers advice you decide to call her and tell her the good news. When you tell her she seems excited and tells you to make a list and take a picture of everything that you want on your claims. Since she hasn’t given you any bad advise yet you listen to her. If you’re already spending extra money a month for this, the last thing you want is to not fully utilize it.

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Since you like to prove people wrong you decide to keep on living without renters insurance, besides your landlord doesn’t require it, so why worry about it?

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Since you like to prove people wrong you decide to keep on living without renters insurance, besides your landlord doesn’t require it, so why worry about it?

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Decide to just get renters insurance so nothing else like this happens in the future

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Decide to just get renters insurance so nothing else like this happens in the future

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You wake up to the birds chirping outside your window. You check the weather and see that it’s nice, so the first thing you decide to do is take a morning bike ride. As you step outside your door you notice all of your stuff missing. You call your mom right away and all she says is, “If you can gotten renters insurance then you could’ve been smart and put your bike on your claims, so then you could’ve gotten reimbursed.” You we’re not happy that she said this.

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During the first few nights in your new apartment your landlord couldn’t find the keys to get into your garage. So instead of bringing your bike and gardening equipment inside you decide to leave it right outside of your place. You figure that if anyone does take it that you’ll hear it because it’s right outside your window. You go to bed peacefully that night.

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Maybe if you close your eyes an extra $19 a month won’t hurt

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Maybe if you close your eyes an extra $19 a month won’t hurt

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You decide that it is the smart decision to get renters insurance. Sure it’s extra money but if you pick up a few more hours at the diner it should all work out. Besides, now you won’t have to listen to your mother nagging about getting it. What does she know anyways?

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Avoid Renters Insurance like the Black Plague 

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Avoid Renters Insurance like the Black Plague 

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You don’t have enough extra money on the side to cover the expenses. You decide that you’ll just be extra careful. Nothing could go wrong anyways, right?

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You are a 22 year old who just moved into her first apartment in Mississippi. Since you moved you don’t currently have too much money to your name, and you are struggling to figure out what to do with your life. You just got hired as a waitress at a popular diner. You just called your mom and she’s checking up on you, making sure you’re getting your insurance. So far you have what she told you to get except for renters insurance. In Mississippi it’s $228  a year, or $19 a month. Although it’s not much, you don’t know if you’ll be able to pay even that much more on your already tight budget. In this activity you are going to make decisions for Abby and try to help her see the importance of renters insurance.