Every renter with valuable property in thier apartment should get renter's insurance for protection. Weigh the cost of insurance with the cost of replacing your property to decide if it is worthwhile in your situation.
This depends on your landlord. Even if your landlord doesn't require renters insurance, you should buy a policy anyway, since you're going to have stuff of your own in your apartment.
If you rent an apartment, you don't need homeOWNERS insurance, but you you definitely need Renters Insurance, which is a form of homeowners insurance. Most renters' policies will protect your personal belongings from perils such as theft and fire. It will also reimburse you the cost of additional living expenses if your apartment or rented home is damaged by a covered peril. A renters policy will also give you liability insurance; don't thnk for a minute that if someone falls in your apartment that only your landlord will be sued. If your dog bites someone, it will also protect you if you get sued.
The main advantage to purchasing apartment renter's insurance would be that your belonging will be insured if disaster should strike.If a fire occurred they would pay you to replace your items.
According to independent insurance agents and brokers of America (IIAB), the average cost for renters insurance is about $12 per month. All depending on the property in question.
Renter's insurance is fairly inexpensive. Prices will vary due to your area, distance from a fire hydrant and/or department, number of units, etc. If you have auto insurance, the company with your policy should have renters insurance available. Bundling the two policies would make it cheaper.
Your lease should answer all of these questions. The landlord should take care of what is theirs (carpets, drywall, etc.) They will not cover the contents of your apartment. This is why you should always get renters insurance!
Rental insurance protects all of your belongings in your apartment in the event of a fire or other mishap. You should only buy insurance on things you can't afford to replace, so if you can afford to buy all new stuff - clothes, furniture, you get the idea, then you don't need renters insurance.
Renters insurance .
About thirty percent get renters insurance. Renters insurance should be the top priority of any renter however. It helps just in case a strom, or anything else does damage to the place one is renting.
You can obtain renters insurance that would cover damage to the contents. The homeowner should already have hazard insurance, so there is not any point in your trying to purchase that.
No, homeowners insurance typically only covers property and liability for property owners, not renters. Renters should consider purchasing renters insurance, which can protect their personal belongings in the event of theft or burglary.
You should compare at least 2-5 renters insurance quotes before making a decision. The reason is that comparing is good. It allows you to see the differences between renters insurance quotes.