Why You Need Renters Insurance
You may be under the impression that your landlord's insurance will cover you if something happens to your personal possessions. Guess What? It won't. Your landlord's insurance only covers damages to the building you live in.
Fires, floods, hurricanes, and tornadoes are becoming more commonplace. Liability lawsuits are also on the rise. If you don't have renters insurance you run the risk of losing everything your own.
What Renter Insurance Covers
Renters insurance will pay to replace anything you own that's been stolen, or damaged by fire, smoke, plumbing leaks, vandalism, explosions, hail, or storms. It does not cover damage done by earthquakes or floods, so you'll need to purchase additional insurance if you live in an area that's prone to these disasters.
Renters insurance also covers you if someone is hurt in your home and sues you. It pays for that persons medical expenses, personal property damages, and any legal fees your may incur.
Last, but not least, if your residence is damaged and you need to live elsewhere while it's being repaired, your renters insurance will pay your hotel and restaurant bills until you move back in.
What Renters Insurance Costs
Depending on where you live, $20,000 worth of renters insurance can cost as little as $13 a month ... about as much as going to the movies.
How to Get Cheap Renters Insurance
The only way to get cheap renters insurance is to get renters insurance quotes from a number of different companies. You can go from one insurance site to another filling out form after form to get quotes, or you can go to an insurance comparison website and fill out one simple form to get your quotes.
Most insurance comparison sites only deal with A-rated insurance companies, so if you purchase insurance through them you know you'll get a cheap policy with a reputable company. The better insurance comparison sites feature articles with money-saving tips, and an online chat service so you can talk with an insurance expert and get answers to all your insurance questions (See link below.)
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