Online Cheap Renters Insurance
Often, renters believe that they are covered by their landlord’s insurance policy. This will disapoint many, but even though landlords do carry insurance, the coverage is only for structural damage to the building – their property. Property belonging to tenants is not covered under the landlords' policies. If a fire were to cause damage to your rental space, your landlord would be covered to rebuild, but your property would be lost and un-covered.
Renters insurance protects your personal property from theft or damage. When you factor in your furniture, clothes, electronics and household appliances, you could be facing the loss of thousands of dollars. Further, you'll have to incur additional living expenses while your home is being repaired or rebuilt. Renters insurance can cover these additional living expenses. A basic renters insurance policy costs anywhere from $12 to $30 a month depending on the coverage you require.
In addition to providing protection for your personal property, renters insurance also offers liability protection. The coverage extends to injuries and other damages visitors sustain while on the covered property as well as damage you may inadvertently cause to the property. As an example, if a guest in your home falls and gets injured, renters insurance would cover the costs of medical bills plus legal representation in the event of litigation.
All renters should have renters insurance. The degree of coverage depends on many things. If you own a lot of high value property like jewelry or artwork, you'll need to consider additional coverage for those items to be fully protected. Also consider, owners of dogs, may need to buy added liability coverage to cover any damages caused by the pet.
If you want to see what renters insurance might cost for you, just start with your zip code. You'll get a list of insurance companies offering great coverage at unbeatable prices in your area. Pick a few companies and get quotes customized for you.
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All the insurance companies here are names you've heard of. There aren't any no-name companies - that makes me feel safe.