Your landlord's insurance does not cover your personal property. Your clothes, stereo, furniture, television, bicycle, jewelry, personal computer, artwork and other items are simply not covered against destruction or loss. If you rent and have valuables which you can't afford to replace if stolen, damaged or destroyed you need Renter's insurance.
Renter's insurance will protect you against losses caused by:
You will also be covered you if someone slips and falls in your home or is injured by any of your possessions and then sues. The better policies will also cover your responsibility to other people injured in your home or elsewhere -- including legal defense costs if you are taken to court.
A Renters policy can protect your investments and provide liability coverage. However, you must be able to choose a policy wisely to be confident that all your possessions are covered and be sure that you don't purchase too much coverage. Your Schultheis Insurance Agent can help you make these important decisions to protect your home and your possessions.