If you rent a home or apartment instead of owning a house outright you may not think you have a need for insurance or believe that it is even available to you for that matter. The truth of the matter is that regardless of whether you own or rent it is a good idea to have insurance and even if you rent instead of buy you can qualify for insurance; it is known as renters insurance and it can be a safety net you cant afford to miss.
At a minimum renters insurance will cover your personal property such as furniture, clothing and electronics in the event of theft, fire or natural disaster. Renters insurance may also provide protection for you in the event that someone is injured while at your residence.
There are several options available with renters insurance which can give you a lot of flexibility depending on your needs and how much you want to spend on it.
Personal property coverage will cover just your personal property in the event there is damage related to fire, hail, smoke, vandalism, lightening, plumbing, etc. This type of policy will also cover your personal belongings in the event you are the victim of theft. In order to take out this type of...
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