Environmental Sustainability and Renters Insurance: Insuring Green Living Spaces

Green living spaces, characterized by energy-efficient features and eco-friendly practices, are gaining popularity in the Flowood, MS area. However, renters in such spaces should also consider ensuring their assets and belongings are protected with the right renter’s insurance. 

The Rise of Green Living Spaces

Green living spaces, or eco-friendly or sustainable housing, are designed to minimize environmental impact and promote energy efficiency, which is growing in popularity. These spaces often include solar panels, energy-efficient appliances, sustainable building materials, and eco-conscious landscaping. 

Why Renters in Green Spaces Need Insurance

While the environmental benefits of green living spaces are evident, protecting your assets and belongings is equally important. Here are the key considerations:

  • Property Protection: Renters insurance covers your personal belongings in case of theft, damage, or loss. Accidents and unexpected events can still occur regardless of how sustainable your living space is.
  • Liability Coverage: Renters insurance also provides liability coverage, protecting you from potential lawsuits if someone is injured in your rental unit. This protection is essential, regardless of the sustainability of your living space.

Eco-Friendly Enhancements and Insurance Considerations

Many renters in green living spaces invest in eco-friendly enhancements and upgrades, such as energy-efficient appliances, smart thermostats, and water-saving fixtures. Here is how these enhancements can affect renters insurance:

  • Appliance Upgrades: If you’ve replaced standard appliances with energy-efficient ones, it’s essential to inform your insurance provider. These upgrades may increase the value of your personal property coverage.
  • Smart Home Devices: If you’ve installed smart home devices for energy management and security, renters insurance can also cover these in case of damage or theft.

Insurance Protection Specialists Can Help You

At Insurance Protection Specialists, we can answer all your questions concerning renter’s insurance. We assist the Flowood, MS area. Contact us today. 

What Risks Do You Face By Skipping Renters Insurance

Renters insurance is for people renting a home, apartment, or condo. Typically, it provides coverage for personal belongings from such damages as fire, theft, vandalism, smoke, and others, It also protects a tenant if a guest or visitor gets injured on the rented property and decides to take legal action. Many people renting property decide to skip rental insurance and do not realize that they are taking a big risk. Consult with Insurance Protection Specialists in Flowood, MS for expert insurance advice. 

Here is a list of risks you face if you do not purchase renters insurance:

1. Damaged Belongings

If a fire or flood happens and damages your personal belongings, you will have to repair or replace them. Without renters insurance that would protect you financially, this may cost you a lot. 

2. Lawsuits 

If a visitor or guest comes to your rented property and gets injured or bitten by a dog, you may be responsible for an injury and will have to cover legal and medical expenses. If you do not have renters insurance, attorney charges and hospital charges will not be covered. 

3. Eviction

Often, one of the requirements of a lease agreement is to have renters insurance. This means that you may not be able to rent a home without purchasing proper insurance. Therefore, by signing a lease agreement, you agree to carry insurance. If you fail to do so, your landlord can evict you. 

Get Renters Insurance Today

If you are currently shopping for renters insurance and need some help, our team at Insurance Protection Specialists in Flowood, MS is here to assist you. We specialize in all types of insurance, including renters insurance as well. We have over 50 years of combined professional experience in serving clients in Flowood, MS and other surrounding communities. If you have questions about insurance policies and you want to know more, feel free to contact us. 

Questions to ask yourself when buying renters insurance for the first time

If you rent an apartment in Flowood, MS, your landlord will likely ask you to buy renters insurance. You may probably be wondering why the landlord doesn’t cover your apartment as part of protecting their investment. The truth is, your landlord already has a policy protecting the whole building, including the walls, floor, and other parts of the building.

That means you’re responsible for what happens in your personal space, particularly personal belongings. Now, if your landlord wants you to have renters insurance, the policy is meant to cover your rented space. So, if it’s your first time buying the policy, here are three questions to ask yourself before settling on a renter’s insurance policy.

What is covered in my renter’s insurance?

This is often one of the most critical questions to ask as it helps you determine how much insurance to get. In most cases, renters insurance covers your personal belongings and additional living expenses if your apartment is rendered unlivable.

How much renters insurance should I get?

The amount of renters insurance to buy heavily depends on your needs. The value of your property renters insurance covers things inside and outside the home,  such as a work laptop that you could leave in your car or your office.  Insurance Protection Specialists recommend enquiring about different coverages in your renter’s insurance to understand your needs.

Should I take inventory of my personal belongings?

Yes. You don’t want to have trouble providing evidence that you own a specific item to your Flowood, MS insurer. Taking inventory is quite critical in determining the value and year of purchase for easier follow-up in case of damage. We recommend taking your inventory a few days or weeks before the policy purchase and updating the list every time you bring in a new item.

We can help

At Insurance Protection Specialists, we can help you understand your policy better so you can make informed decisions when buying renters insurance. If you have any questions or need further clarifications, feel free to contact our team, and we will be happy to get back to you.

Does renters insurance have exclusions?

Flowood, MS is a family-centered community that offers a high quality of living. It is a small city in the greater Jackson metropolitan area. Rentals here are trendy and offer great amenities. One thing that these lovely rentals don’t come with is rental insurance. You may think the management company has insurance, and yes, they probably do, but it won’t help you. It only protects what belongs to the owner, not the tenants. With over 50 years of experience, Insurance Protection Specialists offers their customers a partnership as you deal with the unexpected events that life throws at you. 

Renters insurance offers some very valuable coverage at a very affordable price and is well worth investing in. It protects your personal property, gives you liability coverage and loss of use coverage. 

Personal property

Your landlord has insurance that protects the building you live in. Everything that you moved into the rental is your personal property. It may be appliances, decor, furniture, and certainly your clothing. All of these are your personal property. If a covered peril damages or destroys your rental, you could lose all of it.   


Things happen. Not all of them are good. If someone is visiting your rental and is injured, you could be held liable for their medical bills, and they may decide to sue you. No one likes to think about having a judgment against them, but it would be awful if you had to pay for it yourself without insurance. 

Loss of use

If your rental is damaged so badly you can’t live there, renters insurance will help pay for your lodging until you can move back home. 

If you have seen the value of having rentals insurance and would like to discuss it with an insurance expert at Insurance Protection Specialists in Flowood, MS, our team is here to help you.