How to Get Renter's Insurance
Every renter should have a renter's insurance policy. Many policies can cost as little as $100. Policy cost will vary based on the value of your belongings and where your apartment is located. Many lease contracts require tenants to purchase renter's insurance, but few landlords verify that the coverage is in force. As a renter, all of your personal belongings are at risk if the building is damaged and renter's insurance is the only way to protect them
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Instructions
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Determine the value of your belongings. In a total loss scenario you want to be sure that the insurance company gives you a big enough check to replace everything you own, from music, to clothes, to TVs, to your furniture.
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Get quotes. You can shop for renter's insurance online or through a local home-and-auto insurance agent. Don't be surprised if you find savings online.
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Check into combined home and auto discounts. Many insurers offer package pricing and will discount your renter's or homeowner's policy if you also have your car covered with them.
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Apply for coverage. The application should be short and simple and require a check for the annual premium to put the coverage in force.
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Keep your policy in a safe place in case of a claim. Renter's policies can pay for damage to your personal belongings in your apartment as well as provide liability protection
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Tips & Warnings
Try comparing renter's insurance quotes online to find savings
