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Renter's Insurance

Renter's insurance provides financial protection against the loss or destruction of your possessions when you rent a house or apartment. While your landlord may be sympathetic to a burglary you experience, a fire or loss of your possessions, it is almost never covered by your landlord's insurance.

Since renter's insurance covers only the value of your belongings and not the physical building itself, the premium is relatively inexpensive.

By purchasing renter's insurance, your possessions are covered against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and water damage (not including floods) at replacement cost. Renter's insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.

Renter's insurance also covers your additional living expenses if you are unable to live in your apartment because of a fire or other covered peril. This is the difference between your additional living expenses and your normal living expenses. In a lot of cases, renter's insurance can cost less than $12 a month.

Category: Personal Insurance