Posts Tagged ‘Insurance’

What Does Your Landlords Insurance Policy Cover?

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If you think that you landlords insurance policy covers you, think again. As a tenant, you need your own renters insurance policy to protect your personal items and to cover you in cases where people sue you for liability. Your landlord’s policy doesn’t protect you, but you may benefit from the repairs made to the […] read more

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Why Renters Insurance for College Students Is a Smart Move

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Paying for college is overwhelming if you don’t have scholarships to pay for full tuition. Renters insurance is a smart way to hold on to as much money as you can in order to pay for two, four or more years of higher education. Without it, you may have to pay to replace your belongings […] read more

Renters Insurance for Roommates

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Your renters insurance policy does not cover your roommate, and their policy does not cover you. Each roommate needs their own policy to protect their personal property, and in cases where guests and other visitors will want to sue for liability. For that reason, it’s important to discuss the topic of renters insurance before signing […] read more

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Four Reasons Your Landlord Requires Renters Insurance

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Landlords can require that you obtain renter’s insurance for a number of reasons, but, basically, it’s all for the common good as this type of insurance protects you from liability and the loss of your belongings due to theft, vandalism, flood, tornado, earthquake or fire. The following reasons serve to emphasize this point. Reason #1 – […] read more

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How Renters Insurance Covers Personal Injury

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Your landlord is not responsible when other people get hurt in your apartment, which is why renters insurance is so important. You’re legally responsible as a tenant for personal property damage and bodily injuries that guests suffer at your residence. You’ll have to pay for legal fees, plus damages if that person files and wins […] read more

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What is HO-4 Insurance?

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HO-4 insurance, commonly referred to simply as renter’s insurance, is an insurance policy that covers tenants from loss of personal property. It does not cover the actual house or apartment that is being rented; that property is covered by the landlord’s insurance policy. It is a comparatively inexpensive policy that provides beneficial coverage and security […] read more

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How to Lower Your Renters Insurance Quote

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There are some things you can do to get the best rate on renters insurance. Each insurance company is different, and you can expect a range in rates as you shop around. However, with a little know-how about what to look for and what your options are, you can lower your renters insurance quote. Compare […] read more

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4 Types of Renters Insurance Discounts

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Renters insurance provides vital protection and the monthly premiums are often affordable. Most policies cost less than $15 per month. It’s a must-have for most tenants today, and you should budget for it along with rent and utilities. You can pay less in premiums if you take advantage of 4 types of renters insurance discounts: […] read more

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High Risk Renters Insurance Explained

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Renters insurance is often very affordable, with policies costing between $8 and $15 per month in general. High risk renters insurance costs more, however. The insurance companies face a greater risk of actually paying out claims to you for theft, damage or liability if you’re deemed “high risk”. While that’s what you should expect, the […] read more

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