Renters Insurance
It is designed for apartment or house renters.
Common coverage options:
Personal Property coverage protects your personal assets in case of a covered loss. It applies even when you are away from home
Loss of Use covers your additional living expenses if you have to relocate temporarily after a covered loss.
Medical Payments Coverage will pay for medical expenses if a visitor gets injured in an accident on your premises regardless of fault.
Personal Liability coverage protects you and your immediate family members against bodily injury and property damage liability claims and any litigation that may result subject to the limits you select.
Be prepared for the loss
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. These coverages are included in a basic policy. A lot more could be added to broaden the coverage.