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By: Helena Berger
Insure.com provides the following list of losses that are included in an HO-4 policy, which cover renters (HO-6 policies cover condo owners): Fire or lightning Windstorm or hail Explosion Riot or civil commotion Aircraft Smoke Vandalism or malicious mischief Theft Damage by glass or safety-glazing material that is part of a building Volcanic eruption Falling objects Weight of ice, snow, or sleet Water-related damage from home utilities Electrical surge damage If you live in an area where flood, hurricane or earthquake is a possibility you will need to purchase a separate policy or a rider in order to protect yourself against these threats. A good place to start looking for renters insurance is your auto insurance company; you may get a better rate for establishing multiple policies. Then you need to consider how much you want your policy to be, and what type. Your options are Actual Cash Value policies or Replacement Cost policies. Be sure to document and let your insurer know about any really valuable possessions like jewelry or really expensive electronic equipment. If your apartment has installed smoke detectors, fire or burglar alarms, you may be eligible for a discount, so be sure to mention these when you purchase your policy.
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Helena Berger is a writer for Apartmentlinks.com an apartment locator in the US to guide people into finding the right apartment thru our online search facility to give sound information on the apartments available for rent. If an apartment is too much for you, try finding a roommate to share an apartment with.
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