If you rent your home, whether it is an apartment, house, condo, or duplex, you can protect your space and assets with renters insurance. Renters insurance policies protect you in unfortunate situations where you are effected by fire, theft, water damage, and other circumstances beyond your control.
Renters insurance is very similar to homeowners insurance, it is simply focused on people who rent their home instead of own it. Even if your landlord or property manager has insurance for your home, that does not mean your assets are covered by renters insurance. Your landlord’s policies cover the property as a whole, but your belongings remain your responsibility.
Renters insurance also provides coverage for those who may be injured at your home, or elsewhere, by you, a pet, or a family member. In the event of a law suit, a renters policy will also cover your legal defense fees if you end up in court.
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