As someone who has rented an apartment for a long time, I didn’t think I needed renters insurance. It seemed like an unnecessary expense to add to my budget. After all, as a self-proclaimed minimalist, I don’t have a lot of “stuff” so I never saw the value in it.

It wasn’t until a few months ago that I finally woke up from my ignorance. A friend had her computer stolen and the first thing people asked her was, “Do you have renters insurance?”. She didn’t.

To make matters worse, she was still making payments on it! My heart went into the pit of my stomach hearing her tell me that story.

I thought if something happened to my computer – whether it be theft or damage – I’d be in pretty bad shape. I currently work as a full-time writer and speaker, and my computer is a major source of my income. Not having my laptop would put my livelihood is serious jeopardy until I can replace my machine.

Protecting Valuable Electronics

Then I started looking around my apartment, and noticed all of my boyfriend’s belongings. You see, he’s a musician, composer, and audio engineer. Compared to my minimalist ways, he has a lot of stuff – mostly because he has to.

He has various microphones, several basses, and recording equipment. I’d venture to say the worth of his equipment is in the thousands.

I shuddered to think about what we would have to do without our respective tools – my laptop and his instruments. It would be a devastating blow, not only to us personally, but also professionally. And to be honest, we wouldn’t have the money to replace those items right away.

Affordable…

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