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Renters Insurance

Renters Insurance Policies

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Renters insurance is for those people renting property. The property may be an apartment, a family home, a condominium, a studio or even a loft. The cover is also for people renting a duplex or townhome. This kind of insurance is becoming increasingly important because more and more property owners require that their tenants get the cover before moving in.

This type of policy is a cover that protects personal belongings of the tenant. It protects against any losses or damages within the rented premises. This cover also protects a tenant from liability claims for any injuries that might occur on the rented premises. It is imperative to note that where the injury is caused due to a structural problem within the rented property, it is the policy cover of the property owner that will cover any claims.

Depending on which insurance package the tenant opts for, the price will differ. A minimum cover, however, protects the belongings of the tenant and covers any compensation claims in case of an injury, emergency or accident. For instance, where there is a flood, and it affects the rented property, the tenant will not incur any costs of repair for damages to the property or their belongings.

This type of policy is very beneficial as it helps a tenant protect their belongings, even where a landlord insurance policy exists. Where a burglar breaks into your home and steals your valuables, or where your condominium burns to the ground, you will not incur any costs if you have this cover. It not only protects your belongings but also gives you peace of mind when disaster strikes.


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