The best advice regarding renters insurance is purchase it. When we rent an apartment, a condo, a house, or a mobile home, we sometimes feel a bit too secure in knowing the property isnt ours. We dont own it; therefore, whatever happens to it, outside of the damage we may cause the property ourselves, is not our responsibility.
If the plumbing is faulty, the landlord will clean up the small lake in the kitchen and replace the pipes, right? If a storm hurls a tree through the living room window, the landlord will sweep up the broken glass and replace the window, right? If faulty wiring sparks a fire and burns the building to the ground, the landlord will just build again, right?
While it is the responsibility of the landlord and/or owner of the property to fix these damages not caused by you, it is not his or her responsibility to replace or repair your damaged or lost possessions along the way. So, whos going to replace your kitchen table when it becomes water logged, your television set once a tree rams through it, and everything else you own when the building burns down?
Your renters insurance company; that is, if you have a renters insurance...
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