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What Is Renters Insurance Good For

To support our service, we display Private Sponsored Links that are relevant to your search queries. These tracker-free affiliate links are not based on your personal information or browsing history, and they help us cover our costs without compromising your privacy. If you want to enjoy Ghostery without seeing sponsored results, you can easily disable them in the search settings, or consider becoming a Contributor. Renter's insurance provides coverage for your personal belongings, whether in your home, car or with you while you're on vacation. In addition, renter's insurance provides liability coverage in case someone is injured in your home or if you accidentally cause injury to someone. . A renters insurance policy helps protect you and your belongings. Find information about what's covered, how rental insurance works, theft protection and more. . The average Progressive rental is not responsible for your belongings. Renters insurance covers personal property, personal liability, medical payments and additional living expenses or loss of use, up to the limits of your policy. Learn more about what renters insurance . To make sure their stuff is covered too, you should have two separate renters insurance policies or one policy with both of your names on it. Other than protecting your belongings, renters insurance can also cover you if someone gets hurt and you’re found responsible. . The only difference might be with deferred maintenance that finally caught up to her, suing the broke landlord for breach of contract for failing to provide a house for the terms of the lease. But good luck collecting damages on that. The salient point here is that renters insurance would probably . Additional living expenses: Pays of your place for a short time because of damages from a covered loss. Personal liability: Protects you if someone is injured in your home and pays legal costs if you are liable and taken to court. · Renters insurance isn’t required . So, if your laptop is stolen from your car or your bike gets taken from the rack at work, your renters insurance may pay to replace them. Consider whether you may need more protection than the basic renters insurance policy provides. Coverage you may be able to add includes: high value items - a good idea if you own jewelry, artwork, antiques, collectibles or firearms with a total value that exceeds your policy's maximum pay out for . Renters insurance covers more than just the stuff in your apartment. Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money. NerdWallet's content is fact-checked for . We asked Valerie Webber, a Farmers based in Fort Worth, Texas, to provide some of her top reasons to purchase renters insurance. A:Answer Simply put, renters need insurance to protect their stuff. As a renter, you don't own the structure you live in and you are not likely to insure it. The belongings inside your rental, on the other hand, are probably important to you. One reason to carry renters insurance is to have coverage . A list of normally covered perils is included under the “coverage” section below. In some cases, flood coverage may be added by endorsement to your renter’s policy. If your insurer does not provide flood coverage for your personal property, a separate policy can be purchased. . If you enjoy Ghostery ad-free, consider joining our Contributor program and help us advocate for privacy as a basic human right.

Keep Your Rates Low — Affordable Renters Insurance Compared and Reviewed. Find The Right Insurance Plan For You!