If you rent an apartment or house, you might consider purchasing renters insurance.
Renters insurance provides coverage for damage or loss of personal property for people in rental housing. It's to insure the renter's belongings from theft or damage. In addition, renters insurance also provides liability coverage for people in rental housing if somebody is injured while in the rental place. In this case, the renter is sheltered from lawsuits or liability for the problems cause by him/her.
Renters insurance can help you if one of the following things happens to you: your apartment catches on fire and your belongings are lost or damaged; you get stolen from a theft who breaks into your apartment; a friend of you injures himself while having a party in your apartment; an electrical power surge damages your television, stereo and computer. While renters insurance has a broad coverage, keep in mind that earthquake and damage caused by food are not covered in most renters insurance policy.
Many renters think their landlord's insurance will cover them. This is not true. In general, the landlord's insurance only covers the building, but not the renter's belongings and liability.
Renters insurance is not expensive. For example, a policy that costs around $300 a year (with a deductible of about $250) could cover between $20,000 and $30,000 worth of loss or damage, plus $500,000 to $1 million in personal liability.
To shop for renters insurance, you should try getting quotes from different insurance providers in order to find the best deal. You can check with your auto insurance company to see if they also sell renters insurance and whether the will give you a discount for buying two types of insurance from them.
Renters insurance is often overlooked by people renting an apartment or house, but it's a renter's good friend and it will give you the peace of mind.
Brian Walker is a freelance writer who has written many self-help articles. Check out more apartment living guide at Apartment Rental Finder (http://www.apartment-rental-guide.com) and 101 Apartment For Rent (http://www.101apartmentforrent.com).
If you rent an apartment or house, you might consider... Read More
Auto insurance rates can be quite expensive. If you are... Read More
Accidents almost always make your insurance rates increase. Whether or... Read More
You and I. M. Strong, the adjuster from Granite Mountain... Read More
In the United States health insurance, unlike many other countries,... Read More
As more and more individuals working at home with or... Read More
It's very easy to find California truck insurance on the... Read More
No doubt most readers will have heard of the Northern... Read More
Who can you talk to about auto insurance? Insurance agents... Read More
Unlike term life insurance, permanent insurance policies such as universal... Read More
Non-profit groups in this day and age need to watch... Read More
The Health Savings Account (HSA) is a tool to help... Read More
Did you know? One year of disability can wipe out... Read More
Life Insurance Companies differ in their "underwriting philosophy" when it... Read More
Life insurance in the UK is becoming more and more... Read More
For most people car insurance is a the single largest... Read More
What are the factors involved in flat insurance? Do I... Read More
Boat insurance is necessary for all boat owners who live... Read More
Most people with health insurance, especially employer paid health insurance,... Read More
Catering truck insuranceNot many agents/brokers write catering truck insurance as... Read More
There are many options available for life insurance, and for... Read More
A Health Savings Account (HSA) is not a type of... Read More
A recent survey took the most popular type of home... Read More
Nowadays, auto insurance is really expensive. A typical insurance policy... Read More
For may young drivers, affording the costs of motor insurance... Read More
The phrase "BUY TERM AND INVEST THE DIFFERENCE" evolves around... Read More
Claims management and administration software systems enable insurance claims adjusters,... Read More
In the United States most companies offer their employees dental... Read More
There are times when you'll find yourself temporarily without health... Read More
Our money saving auto insurance tips were written for one... Read More
Disability income insurance can cover you in the event of... Read More
Ever thought about how to save money? Sure you have,... Read More
My whinstone house my castle is, I have my own... Read More
There are two different types of life insurance, term life... Read More
Whether you're looking for insurance quotes for auto, life, travel... Read More
When it comes to your family, selecting the right health... Read More
Risk is an area often overlooked by landlords, but failing... Read More
We have just had the first year's anniversary of the... Read More
Ever thought about how to save money? Sure you have,... Read More
There are many options available for life insurance, and for... Read More
It has become increasingly difficult to get young driver car... Read More
The are many scary things in this world. Buying insurance... Read More
Thank goodness the internet age has arrived helping us to... Read More
In response to a hard insurance market in the mid... Read More
Many economists have suggested and recent economic data indicates that... Read More
How is your driving record lately? Do you have a... Read More
Car Insurance is compulsory in the UK. You are required... Read More
A person might need long term care (LTC) if he/she... Read More
Health insurance providers are going online to find new customers.... Read More
If you are in the market to purchase your own... Read More
Online term life insurance ratesHow simple it is today finding... Read More
A Bed and Breakfast, often referred to as a B&B,... Read More
Here's some "Inside-Info" you must know so you won't be... Read More
Thousands of people have work related commitments and in order... Read More
Do you have many claims? If so, you should do... Read More
The Health Savings Account (HSA) is an amazing tool that... Read More
More than 150 insurance companies offer thousands of life insurance... Read More
Non-profit groups in this day and age need to watch... Read More
Finding the best rates on life insurance is not difficult... Read More
Assured - Those insured under the terms of an insurance... Read More
Do you consider the cost of insurance before you buy... Read More
Several national rating institutions rate insurance companies. Do coverages, rates,... Read More
It is a fact that more and more people everyday... Read More
The life insurance quote business online is booming. Not only... Read More
When purchasing New Jersey car insurance there are many decisions... Read More
You can pay as you talk with a cell phone... Read More
Insurance |