Moyer & Moyer Insurance Blog

Protect Your Possessions with Renter's Insurance

apartment building balconies
Many renters overlook a simple, affordable solution to a problem they may not even know they have. Without renter's insurance, no one will pay for your personal possessions destroyed or damaged by fire, water, smoke, or burglary. Too often, renters believe their landlord is responsible for repairing or replacing their personal possessions in case of disaster. However, the landlord's insurance usually only covers damage to the building. Their insurance will repair the roof and paint the walls, but it won't replace that laptop or television you lost in the deluge from a broken water pipe. Also, if you live in an apartment complex, you risk other tenants’ belongings, in case you’re at fault for damages. The good news is that renter's insurance is affordable . Unlike homeowner's insurance, it does not have to cover the surrounding land and all the risk that comes with it. These low premiums offer a lot...
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4 Burglary Prevention Tips for When You Are Away

man with crowbar back-lit by car headlights
If you’re going on vacation this season, don't leave behind a trail showing that nobody is home. If you will be out of your house for a few weeks or even a few days, make sure that nobody will notice. Here are four burglary prevention tips for when you are away. Use a Timer Clock for Household Lights Leaving your house dark for nights on end is a sure sign that you are not home. However, having the same lights on for a few weeks straight is not the best alternative. Instead, use an automatic clock timer to preset some of your lights to turn on and off, as if there is activity in the house. Nowadays, you could even control lights and other electronics while away with smart home technology. Remove Snow Buildup If a snowfall occurs while you are away and your driveway remains unplowed for days, burglars will...
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