Here are some common myths about renters insurance:

Myth:  My belongings aren't worth insuring. 

Reality:  Take a quick inventory...you may be surprised at what your belongings are worth.  Imagine having to replace your entire wardrove, your TV and DVD player, your stereo system, and more.

Myth:  My landlord's insurance covers me.

Reality:  Your landlord's insurance typically only covers the dwelling-not your personal belongings.

Myth:  I hear renters insurance is expensive.

Reality:  If you can afford a DVD a month, you can afford renters insurance.  And if you have auto insurance with State Farm, or if your apartment has a security system, your premiums could be even lower.

Myth:  I don't need liability insurance.

Reality:  Your landlord's policy may not cover your liability for a loss that occurs at your residence.

Information above obtained from Joe A. Lochner, agent with State Farm Insurance in Redmond.  He can be reached at 541-548-6023.