Insurance Blog

Are You Renting Without Renters Insurance?


Renters need coverage. 

Credit: David Amsler via flickr


A common misunderstanding among many renters is that they have coverage under their landlord’s insurance. Landlords insure the building and any fixtures they own within it, but the landlord’s insurance policy does not cover renters belongings. Renters are responsible for their damaged or lost possessions. If you are renting your home or apartment, you need an insurance policy to cover what you own. Only 37% of renters have renter’s insurance while 95% of homeowners have a homeowner's insurance policy, according to a 2014 Insurance Information Institute poll conducted by ORC International.

With so many renters incorrectly assuming that they have coverage when they rent, people are drastically unprepared for life's imminent hiccups.


I am reminded of a story about a couple that rents in South West Florida. Tim and Rebecca of Bonita Springs were saving to buy a home when Hurricane Irma entered the South Florida radar in 2017. They were able to evacuate themselves and their pets before Irma made landfall, but they were unprepared for what they would see when they got back home. Tim and Rebecca found that their rental property was under 2 feet of water. Without rental insurance, they were not able to receive the necessary help to replace their lost property. The couple used their savings to replace Tim’s work equipment and their belongings, but they had to begin the process of saving for their new home all over again. We, at The Roe Agency, have worked with natural disasters and unexpected life detours for 24 years. We know which insurance policies are best for your family’s needs. You will not be caught off guard when you allow us to provide you with the most effective insurance policies for your family.


Call The Roe Agency Today. (239) 593-7333 We are here to help you protect your future.



Luke Sharrett/Bloomberg via Getty Images



When The Little League Baseball Game Reminds You of Real Life




I learned something watching a father and son during a little league baseball game.

-  You can have confidence in life when someone who knows what to do is on your team.

The VP of The Roe Agency was coaching his son Evan’s little league baseball team.

It was game day, and Evan Herrenbruck was nervous when it was his turn at bat. He wanted to hit the ball and get to first base. What he didn’t understand was that 'all of the front yard practices with dad was about to pay off.'


While placing his feet into position, he looked over his shoulder at his father.

Evan didn’t seem sure, he seemed to be a little nervous, but when he looked at his father, he gained confidence. The look on his dad’s face gave Evan a boost of pride. His dad signaled their secret code for ‘eyes on the ball.’ Evan nodded and locked his six-year-old gaze on the ball in the pitcher's hand. He watched as it was thrown and rocketed towards him. All it took for Evan was one muscle memory swing to connect bat to ball, and the ball went soaring over second base and into the outfield.


Evan’s mouth flew open. He heard his father yelling, GO~! RUN! Orange baseball-field clay was flung into the air behind Evan as he plunged towards first base. He plowed through first and headed for second. At every base, Evan looked at his dad for confirmation to keep going. As he ran up to third his dad was standing at the base hollering, “KEEP GOING! RUN! HOME BASE!” Evan rounded third and raced for home.

His foot reached home base before the ball. Evan’s teammates howled with excitement.

“Home run!”


When I witnessed this father-son interaction I thought about how it is so good to have someone looking out for you; to have someone with experience on your team. I thought about how sometimes you do not know the best move for your family, but at The Roe Agency, we know the best insurance policies to protect your family.


We know that your family is the priority. As you practice baseball in the front yard with your little leaguer, we at the Roe Agency have you covered with the most effective insurance policies for your family’s growing and changing needs.


Give us a call today! We would love to hear about your son’s baseball game, or if you want to ask any questions about your insurance policies, we are here to cover all the bases with you.



Meet Nathan Roe!


Nathan is a gifted agent at The Roe Agency. He and his wife Ana, love to spend time with their son George. One of their favorite things to do is experience new places, and fresh cuisine together, but they can usually be found spending time with their friends and extended family.

Nathan knows the importance of protecting his growing family and he is driven to guide others in choosing the most effective policies to protect their family as well.  Nathan is eager to speak with you and answer any questions that you have.

(239) 593-7333