Apartment Insurance Guide by
RentLaw.com
If you rent the home or apartment where you live, you need
insurance, as the landlord you rent from is not responsible for
your personal belongings. That is the purpose of Renters
Insurance.
Your landlord’s policy will
not cover your personal property.
The homeowner’s
or fire/property insurance policy that your landlord has on
your rental property does not cover your personal belongings
(clothes, electronics etc) in your rental. An affordable
renter’s insurance policy covers your personal property,
such as clothes or electronics, in the event of a disaster - fire,
water, robbery etc.
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Liability Protection through
Renter's Insurance
Liability protection against
accidental occurrences (such as a visitor slipping on your wet
bathroom floor) comes standard with renter’s insurance policies.
Additional coverage may be available.
Renter’s insurance is
inexpensive.
Renter’s insurance is affordable, compared
to what you could lose in the event of a loss. You can simply
click here to complete our short renters insurance request for a
quote or read more about Renter's Insurance.
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Whether
you rent an apartment, home or even a dorm room, renter’s
insurance is an important means of protecting yourself from
financial hardship. Click
here for an online Renter’s Insurance quote.
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Renter’s
Insurance covers:
Renter’s policies provide
"named peril" coverage, meaning the policy states
specifically what you are insured against.
Some examples of perils are:
- Fire or Lightning
- Windstorm
- Smoke
- Vandalism or Malicious
Mischief
- Theft
- Accidental Discharge of Water
Other loss types may be
included in tenant’s insurance policies.
Be sure your Renters Insurance coverage includes liability
protection, which covers damages as a result of unintentional
bodily injury or property damage to another person. If required, a
Renter’s Insurance policy may pay for your legal defense.
You may also be able to purchase Scheduled Personal
Property protection with increased coverage for personal
property items with value greater than the limits provided in your
Renters Insurance Policy.
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