Many drivers think the items in their car are covered in their auto insurance policy, but this is often not the case.  Homeowners insurance policies and renters insurance policies often cover these items, but you will have to check with your insurer to be sure.

If you think renters insurance isn’t necessary you should think again if you are renting a property.  Unlike auto insurance, renters insurance is not required by law, but it offers almost as much value.  Many renters think they don’t have much to replace but they may not realize how quickly items such as clothes, furniture, dishes, and toiletries can add up.  Not to mention renters insurance policies can cover liability if someone is injured within the rental property.

More and more landlords are actually making renters insurance a requirement as part of the lease agreement to ensure no liability issues arise.  Fire, theft, and water damage can happen to anyone so making sure you are protected is very important.

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