If you are currently renting your home or apartment, it’s time
to learn more about renters insurance!
Homeowners insurance covers the house itself and the items
inside. But if you don’t own the home,
you don’t need insurance to cover it.
All you need is coverage for your actual personal belongings.
It might not seem like a lot, but all those little items add
up! When you think about the cost to
replace your furniture, dishes, sheets, clothes, books, and everything else
filling up your home, it’s probably a lot more than you thought.
Renters insurance is an affordable way to protect what you’ve
worked hard to acquire. And it’s
probably a lot cheaper than you’d expect!
In fact, many times the discount you receive on your auto insurance for
having multiple policies can almost pay for the entire renters policy!
Renters Insurance will cover personal belongings within your
home as well as a limited amount of property off premises (such as items in a
storage building) or your laptop when it’s in the car.
It also includes important liability coverage. If you accidentally cause a fire that burns
down the property, your insurance pays the landlord to replace it (protecting
you from a damaging lawsuit). In fact,
many landlords now require that tenants carry a certain amount of liability
insurance before they approve the lease.
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