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Renter's Insurance Tips

Insurance Is Not Enough — 4 Must Dos For Renters

I think I actually sleep better since getting renter's insurance. If you're a renter, then it's really a must have, but don't stop at the policy. In addition to the basic considerations about renter's insurance, here are four more things you should do to protect yourself and your stuff. After you check these off your to-do list, you can really rest easy. Sleep in — you deserve it.

  1. Create an inventory: To come up with the most accurate estimate for the value of your stuff, do a thorough inventory of everything in your apartment and list the estimated cost for replacing each item. Add it all up and make sure your renter's insurance covers that amount. It sounds daunting, but it's really not: just devote a rainy afternoon to hanging around your apartment, making a note of all the major items. It also helps to go through your receipts or email confirmations of online purchases. Save it all in a spreadsheet or whatever format you prefer.
  2. Take photos: I'm not suggesting you stage a photo shoot for each and every last item, but get snapshots of your biggest, most valuable pieces: furniture, electronics, and so on. Open your kitchen cabinets and closets and snap a picture of the contents. Make sure to pull out anything especially valuable that you might want to get a close-up of.
  3. Put it somewhere safe: Make a copy of your inventory and your insurance policy and store it somewhere safe that is not your house. This might be a safe deposit box at your bank, at a friend's house, or in an online cloud storage system. Better yet, upload the photos online or burn a disc and tuck it away too.
  4. Don't forget to update: When you renew your insurance policy each year, be sure to make a note of any new items you've acquired and add them to your records.
Image Source: POPSUGAR Photography / Lisette Mejia
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car-accident-lawyer car-accident-lawyer 3 years
Perhaps your blog is very interesting. I agree with do's of renter but i want you to share dont's also for that. Also can you suggest which is the best insurance company for that. I should be thankful to you. If someone seeks accident lawyer i would like to suggest <a href="http://www.caraccidentlawyers.net">Philadelphia Car Accident Lawyer</a> for better services.  
John2985153 John2985153 4 years
Sadly, far too many people don't have renter's insurance. Estimates range from roughly 60 to 70 percent of American renters don't carry renter's insurance. Your landlord's insurance covers the structure, but not your belongings. If your apartment and all of your belongings are destroyed by fire, for instance, you won't be able to cover your losses unless you have renter's insurance. And renter's insurance costs roughly $15 a month, so it's a great investment. Here's an article that can help you if you're shopping for renter's insurance. http://www.insurancequotes.com/renters-insurance.
John2985153 John2985153 4 years
Sadly, far too many people don't have renter's insurance. Estimates range from roughly 30 percent to 40 percent of Americans who don't carry renter's insurance. Your landlord's insurance covers the structure, but not your belongings. If your apartment and all of your belongings are destroyed by fire, for instance, you won't be able to cover your losses unless you have renter's insurance. And renter's insurance costs roughly $15 a month, so it's a great investment. Here's an article that should help you if you're shopping for renter's insurance. http://www.insurancequotes.com/renters-insurance/
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