Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 15, 2020

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Renters insurance covers your personal property as well as your child’s in the apartment or home that you are renting. The cost of the policy is based on the amount of insurance that you select as well as the liability limit you select plus the deductible. Your personal property is insured for specified perils such as fire, theft, lightning, smoke, vandalism and malicious mischief, certain types of water damage (excluding flood) and vehicle damage. The liability protection protects you in case someone is injured by your negligent act, such as a loose railing or slick floor, or his or her property is damaged due to your negligence. The liability coverage is worldwide, not just at your residence. For example, if you poke someone in the eye with an umbrella while walking down the street, you would be covered by your liability insurance.

When buying renters insurance, be sure to discuss replacement cost coverage for your personal property with your agent. By including replacement cost, any covered loss will replace the lost or damaged items on a “new for old” basis meaning no depreciation will be taken on the item(s) as long as you actually replace them. This extra protection does cost a little more, but it is well worth it, by allowing you enough money to actually replace your lost items.