Renters Insurance
Many renters think their landlord s insurance will cover them if they have a fire, burglary, or other disaster. Not so. Your landlord s insurance only covers the building you live in, not your personal possessions. That s why you need landlord s insurance if you re a renter.
What Renters Insurance Covers
Renters insurance will pay to replace your personal possessions when they re stolen, or damaged by fire, theft, vandalism, or natural disasters.
Renters insurance also pays for medical expenses and legal fees if someone hurts himself in your home and sues you. And it pays for your living expenses if you need to temporarily move out because your residence becomes uninhabitable due to a fire or other causes.
How Much Renters Insurance You Need
Go through your home and take an inventory of your possessions, including clothing, furniture, electronics, kitchen utensils, linens, jewelry, and collections. Use the total value of everything you own as the amount of insurance you need.
For personal liability insurance, most people get $100,000 worth of coverage. But if you have a lot of assets you may want to get enough coverage to protect those assets.
Where to Get Cheap Renters Insurance
Cheap renters insurance is as near as your computer. The best way to get cheap renters insurance is to go to an insurance comparison website and get quotes from a number of renters insurance companies.
All you have to do is spend a couple of minutes filling out a simple form, wait for your quotes, then choose the cheapest one.
The best sites only affiliate with A-rated companies so you know the company you choose will be reputable and will pay your claims. These sites also feature online chat services and toll-free telephone services so you can get answers to your renters insurance questions from an insurance expert. (See link below.)
Visit http://www.LowerRateQuotes.com/renters-insurance.html or click on the following link to get cheap renters insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on getting cheap renters insurance.
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