Renter's insurance protects YOUR stuff. It protects ALL of your stuff against the causes of loss in your policy. It should also cover Loss of us, which means it will pay your rent to live somewhere else while your home that you are under contract (lease) is repaired.
My policy also covers Medical Payments, which is a no fault coverage in case someone gets hurt on your property.
Liability coverage is also part of the renters policy, which puts the bullseye on the insurance company vs. you.
Many policies will cover special property limits such as jewelry, guns, and other items.
Watch out for those agentgs selling the cheapest rate. A lot of times you see this $4 a month advertisement or $10 a month. 95% of the time those quotes are for ACV payouts when you have a claim. ACV means actual cash value. Do you remember when you purchased that couch for $1500 or the DLP tv for $4000 at your local furniture store? Well ACV will get you its depreciated value TODAY. Make sure your policy covers you for replacement cost.
I always suggest taking a video camera or digital camera and take pictures of EVERYTHING in your home. Bring that disc into the office and place it in your file or place it in your safe deposit box. If your house burns down this will help the claims adjuster know what was in a specific corner. Make lists of things that could be in drawers. Make lists of ever serial model #. When you buy something add it to that list. Send it to your agent. Store it in a cloud. Just remember which cloud it was in when you need it.
Call us for a quote 702-279-4299 to set an appointment for a quote or go to www.callmeforinsurance.com. Let me please help you vs doing the quote online. There are questions to ask and answer to properly insure you and your assets. Take care.