Renters Insurance
You have to save and scrimp just to buy a second hand couch, so don't let something like a flood or burglary leave you empty handed. Get renters insurance and make sure your valuables are protected. Remember that it is up to you and not your landlord to insure your possessions.
What do renters insurance policies typically protect against?
Policies vary, but many cover direct physical loss to your personal property if damaged by the following:
- Fire or lightning
- Windstorm or hail
- Explosion
- Riot or civil commotion
- Smoke
- Vandalism or malicious mischief
- Theft
- Falling objects
- Weight of ice, snow or sleet
- Accidental discharge or overflow of water or steam
- Sudden and accidental tearing apart, cracking, burning or bulging of certain appliances or water heating systems
- Freezing of certain systems or appliances
- Sudden and accidental damage from artificially generated electric current
- Volcanic eruption
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