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A renter's insurance policy covers your personal property when you do not own the residence you occupy. It also covers your liability, medical payments to others, additional living expenses and numerous other items.
Typically, the cost is fairly cheap and an experienced broker in your area can easily compare the best plans for you.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
Your property is not covered by the insurance carried by your landlord. The landlord is not responsible for your personal property. If someone is injured on the property that you rent, you could be included in the lawsuit. Where will you go if the property you rent is suddenly uninhabitable? If someone breaks in and steals your jewelry, television, computer and coin collection, you might want it replaced. Sometimes a landlord requires that you carry a tenant’s policy. Those are a few reasons to have a tenant’s policy.
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Typically, the cost is fairly cheap and an experienced broker in your area can easily compare the best plans for you.