What Renters Insurance Protects

A renters insurance policy may protect your belongings in the event of a fire, flood, or burglary. These occurrences are called “named perils.” Other named perils may include vandalism, lightning, smoke, windstorm, malicious mischief or accidental discharge of water. A renters insurance policy may also protect you financially if someone sustains injuries resulting from an accident that occurs in your apartment.

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Weighing the Pros and Cons of Renters Insurance

It’s tempting to think that you don’t need renters’ insurance, especially if you have a small apartment or don’t have many possessions. But do you really not own that much? Think about how much you’d have to spend to replace everything if it was lost in a fire, including the essentials like clothes or dishes.

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