Renters insurance in Iowa is a tremendous value for the coverage you get. While policies from different insurance companies vary slightly, the basic coverages are very similar. The primary coverage pays for damage/loss to your personal property and pays for injury or damage you cause to others or their property.
To start, you need to add up the cost to replace all of your personal property (clothes, furniture, wall hangings, books, CDs, personal records, etc.) and that is the amount of insurance you need to purchase. In most cases, the personal property items are covered while inside your rented unit and while with you away, however there may be some limitations to coverage while away from your unit. You'll have to look at specific policies to know that.
Liability coverage is very important because it pays if you are found to have injured or damaged other people or property, unless that injury or damage was caused by a motor vehicle, in which case your auto policy handles it. Liability coverage under the Renters policy protects you if someone gets hurt in/on your rented property, but also from damage you cause while out and about. A common example is you hit someone with an errant tee shot while playing golf.
One thing to remember is that you want to make sure you get your personal property covered for replacement cost. If you don't you won't get much for property that is over a couple years old.
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To start, you need to add up the cost to replace all of your personal property (clothes, furniture, wall hangings, books, CDs, personal records, etc.) and that is the amount of insurance you need to purchase. In most cases, the personal property items are covered while inside your rented unit and while with you away, however there may be some limitations to coverage while away from your unit. You'll have to look at specific policies to know that.
Liability coverage is very important because it pays if you are found to have injured or damaged other people or property, unless that injury or damage was caused by a motor vehicle, in which case your auto policy handles it. Liability coverage under the Renters policy protects you if someone gets hurt in/on your rented property, but also from damage you cause while out and about. A common example is you hit someone with an errant tee shot while playing golf.
One thing to remember is that you want to make sure you get your personal property covered for replacement cost. If you don't you won't get much for property that is over a couple years old.