If you’re renting an apartment, you’ll need renters insurance to protect your personal property
Find inexpensive coverage for your personal property. You have a lot of things that are important to you, from your clothes and furniture to expensive electronics like computers, tablets, phones, and game systems. And you want to feel confident that everything you’ve worked for is not at risk.
What Does Renters Insurance Cover?
Your renter’s policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home.
For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.
Your renter’s insurance policy also protects you and your family members against bodily injury and property damage liability claims and any litigation that may result subject to the limits you select.
In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available.