It's hard to imagine anything happening to your place or valuables. But incidents can occur easier than you might think. Look at a few specific reasons it pays to be covered in Ohio.
Buckeye-state burglaries: renters insurance in Cleveland and Toledo
As of 2011, Cleveland — which is home to many of Ohio's renters — had the second-highest burglary rate in the U.S. Few feelings are worse than coming home to find that someone has ransacked your stuff. With renters insurance in Cleveland, or anywhere in Ohio, you can rest easy knowing that you'll get help replacing your cherished belongings.
Renters insurance for college students
Did you know Ohio State University has the nation's third-largest college campus, with over 56,000 students? That's the equivalent of a medium-sized suburb made up almost entirely of renters, many of whom would have a hard time replacing stolen property or paying expensive injury bills on their own.
Depending on their age and where they're living, students may be able to use their parents' existing homeowners insurance if they have it. But in many cases, renters insurance can be the best option. Read more about renters insurance for college students.
Tornadoes in Ohio
In 2010, Ohio had a staggering 48 tornadoes, and another 37 in 2011! While your landlord's insurance should cover the structure of your rental, what if tornadoes in Ohio destroy your belongings? If you rent in Ohio — especially during peak tornado season in April to July — renters insurance should be part of your emergency weather plan. Your policy covers your stuff against a variety of natural risks like wind and fire.