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Renters Insurance

Renters Insurance Policies

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Renters need insurance coverage, too. If you rent your place of residence, then you don’t own the property. But you do own the property that is inside of your space. Your landlord’s insurance does not cover your property. It is your responsibility as a renter to protect your belongings with insurance. Renters insurance is available for tenants, and some landlords may require that you purchase this coverage as a term of the lease.

Renters insurance is specifically for tenants who rent their living space. It usually includes liability and personal property coverage. Liability pays for expenses related to a personal liability lawsuit filed against you if someone is hurt inside your home. It may also pay for other liability-related expenses, such as medical bills. Personal property coverage pays to replace the items that you may have lost in a fire or another event.

The cost of coverage varies based on the location, the amount of coverage you need, and special provisions you choose to add. Keep in mind that raising your deductible is one way to lower the premium. If you want a very low premium, then raise the deductible to an amount you’re sure you can afford. You pay the premium every month, but only pay the deductible when you file a claim. So you can put money aside for the deductible in a savings account.



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