Renters Insurance
Most likely, your landlord has taken out an insurance policy on the building, but this only covers the physical structure of the dwelling. To safeguard your personal effects inside the property, you will need to purchase renters insurance. Renters insurance, also called a tenant's policy, is quite cheap, and covers damage from:
- Aircrafts
- Electrical surges
- Explosions
- Falling objects
- Fire or lightning
- Glass and other safety-glazing materials that are part of a building
- Riots
- Smoke
- Theft
- Vandalism
- Vehicles
- Volcanic eruptions
- Water (from home utilities)
- Weight of ice, snow, or sleet
- Windstorms or hail.
Also, in the event that a guest gets hurt in your home, renters insurance will protect you from potential liability and cover various medical expenses. To make the most of the renters insurance policy, spend time to inventory and take pictures of all your possessions. You will need to buy specialty insurance for catastrophic coverage for events such as earthquakes, floods, and hurricanes.
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