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If You Rent, Do You Have Renter's Insurance?

If You Rent, Do You Have Renter's Insurance?

Unfortunately, if you rent, your landlord's insurance policy does not cover your personal property. Renter's insurance provides liability protection against accidents (injuries, property damage), as well as financially damaging events like fires and theft. Compared to the amount of property you could lose in these cases, rental insurance is pretty cheap. Have you ponied up to protect yourself?

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FiestyRed36 FiestyRed36 8 years
Renters insurance is SO great. The best part is, I got mine on-line through AllState. I didn't even have to go into the insurance place. I pay around $200/year, but I also added extra protection for my computers.
emalove emalove 8 years
Yes, and it wasn't that expensive at all.
aimeeb aimeeb 8 years
$100.00 for the year. Wow that's super cheap.When I moved my car insurance agent called me to see if I was interested in renters insurance. To be honest I sort of blew him off because he was asking me about how much everything of mine was worth. I have no clue how to just pick a number as far as everything I own including clothes and such.I have nightmares of a fire and such but just feel like renter's insurance could be pricey here in MA. I would be so devastated if I lost my kitties, no amount of money could make up for that.
aimeeb aimeeb 8 years
$100.00 for the year. Wow that's super cheap. When I moved my car insurance agent called me to see if I was interested in renters insurance. To be honest I sort of blew him off because he was asking me about how much everything of mine was worth. I have no clue how to just pick a number as far as everything I own including clothes and such. I have nightmares of a fire and such but just feel like renter's insurance could be pricey here in MA. I would be so devastated if I lost my kitties, no amount of money could make up for that.
Punkingirl Punkingirl 8 years
I never once thought about renter's insurance until my apartment was broken into. I had worked for over a year at a record store and before that in radio so I have amassed quite an eviable CD collection. All stolen in the robbery. And there was nothing I could do about it. Some of the CDs I had were rare, irreplacable. I have gotten renter's insurance since then. It's incredibly cheap (mine is about $100.00/year) so it seems foolish not to have it.
colormesticky colormesticky 8 years
I've been thinking about it, I just haven't actually done it yet. We have a lot of ridiculously valuable books and we could never afford to replace them all.
jenehfur jenehfur 8 years
my building also requires it before you can sign your lease, but i would have it even if they didn't. 10$ a month is totally worth it.
fleurfairy fleurfairy 8 years
I have it. I just have way too many expensive things in mine and I'm scared of fire or flood.
blackjade blackjade 8 years
*sigh* I've been saying "I'm going to" for 2 years now
redegg redegg 8 years
I had it when I rented and was so glad. My apartment flooded via the ceiling collapsing and water pouring through everywhere. Insurance covered all of my possessions and saved me!
marthalilian126 marthalilian126 8 years
I'm going to be getting it the next couple of weeks. It is actually really, really inexpensive when I add it on to my parents' homeowners and car insurance. And definitely worth it... Of course, the things that I value the most are priceless. I would just pray that nothing would happen to my darling puppy!
marthalilian126 marthalilian126 8 years
I'm going to be getting it the next couple of weeks. It is actually really, really inexpensive when I add it on to my parents' homeowners and car insurance. And definitely worth it...Of course, the things that I value the most are priceless. I would just pray that nothing would happen to my darling puppy!
sugarbecky sugarbecky 8 years
My apartment complex makes all new residents get renter's insurance before they can sign the lease, which is smart from their standpoint since it frees them up liability-wise, and its just smart to have it in case anything happens. So yes, I have renter's insurance :)
sugarbecky sugarbecky 8 years
My apartment complex makes all new residents get renter's insurance before they can sign the lease, which is smart from their standpoint since it frees them up liability-wise, and its just smart to have it in case anything happens. So yes, I have renter's insurance :)
Lovely_1 Lovely_1 8 years
I know I should, but I don't. Right now, I think it's pointless anyways because most of the stuff is my boyfriends and we don't have reciepts for that stuff. Maybe once I have more furniture and belongings and live in a bigger place I will.
Lovely_1 Lovely_1 8 years
I know I should, but I don't. Right now, I think it's pointless anyways because most of the stuff is my boyfriends and we don't have reciepts for that stuff.Maybe once I have more furniture and belongings and live in a bigger place I will.
RosaDilia RosaDilia 8 years
I Know exactly what you mean casa. Unfortunately, I lost my last apartment to a fire and did not have renters insurance. On top of that the management personnel from the complex denied access to the apartment for almost three months due to that they had to survey the damage (major fire damage in kitchen and water damage to the rest of the apartment and the neighbors below). I'm currently living with my parents and at the same time apartment hunting; and this time I won't forget the renters insurance, especially in NYC where the majority of the buildings are pre-war!
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