Advice For Purchasing Renters Insurance - Ratinah

Renters Insurance - The best advice regarding renters insurance is to buy it. When we rent an apartment, condo, house, or mobile home, sometimes we feel too safe knowing that the property doesn't belong to us. We don't have it; therefore, whatever happens to him, outside of any damage we may cause to the property itself, is not our responsibility.

Advice For Purchasing Renters Insurance - Ratinah

Advice For Purchasing Renters Insurance - Ratinah

If the plumbing breaks, the owner will clean the little lake in the kitchen and replace the plumbing, right? If a hurricane threw a tree through the living room window, the owner would sweep up the broken glass and replace the window, right? If a faulty cable ignites a fire and burns the building to the ground, the owners will just rebuild, right?

While it is the responsibility of the owner and/or property owner to repair any damage not caused by you, it is not his responsibility to replace or repair any of your items damaged or lost in transit. So who's going to replace your kitchen counter when it gets flooded, your television set after a tree hits it, and everything else you own when the building catches fire?

Your tenant's insurance company; that is, if you have a renters insurance policy.

A renter's insurance policy is like a homeowner's insurance policy in that your property is protected against accidents such as fire and water damage, as well as theft. When purchasing a renters insurance policy, you should follow the same advice as buying a homeowners insurance policy: take an inventory of your belongings, decide how high or low you want your deduction to be to get the premium you can afford, and look to the "floater" if the item is valuable. Certain items are not covered by a tenant's insurance policy.

Don't be carried away by the false security of not owning the property you live in; remember, you own the property you are moving into!

That's Advice For Purchasing Renters Insurance - Ratinah


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