If you are living in a rented facility or apartment, you need to have a renter’s insurance. Though your landlord or the condominium association has home insurance, it covers only the building. The protection of your belongings is not included in the coverage. So you really have to get your own coverage.
There are different types of policies available to home renters. But you need to understand that the basic policies would cover you from the following:
1. Storm damage.
2. Wind damage
3. Vandalism
4. Civil unrest
5. Vehicle damage
6. Theft
7. Smoke damage
8.