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You do not own the property you are living in, so the landlord is responsible for the insurance, correct? NOT SO FAST! The insurance that your landlord has, ONLY covers the property itself. Any tenants are responsible for their posessions and obtaining insurance to protect their personal belongings and any lawsuits brought against you.
If there is a fire, earthquake, hurricane, flood, or any other natural disaster, you want your posessions fixed or replaced right? What if you place gets broken in to and your jewelry or posessions are stolen? You don't want to have to be out hundreds, or thousands of dollars, do you?
BUT I CAN'T AFFORD A BIG PREMIUM!
Renters Insurance can cost as little as $15 per month, depending on your property and coverage.
SOME THINGS TO THINK ABOUT WHEN GETTING A QUOTE:
- Electronic items such as TV's, laptops, stereos, etc.
- Furniture such as beds, couches, futons, dining sets, etc.
- Clothing and wardrobe
- Hobbies and collectable items
- Other items such as painting, decorations, etc.
For property valued under about $5,000, your monthly cost would be ONLY about $7.00.
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