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Many renters assume their landlord’s insurance covers them. Unfortunately, that’s not the case. The landlord’s policy only protects the building — not your stuff inside it. That’s where renters insurance comes in.
What It Covers
- Personal Property: If there’s a fire, theft, or water damage, your belongings are covered.
- Liability: If someone slips and falls in your unit, insurance helps cover costs.
- Additional Living Expenses: If your rental is unlivable due to a covered event, your policy can help with hotel or temporary housing.
Affordable Protection
Renters insurance is surprisingly affordable, often $15–$25 a month. That’s less than most streaming services — and could save you thousands.
Real-Life Example
Imagine a kitchen fire damages your furniture and clothing. Without insurance, you’d replace it all out of pocket. With renters insurance, you file a claim and get reimbursed.
👉 Bottom line: Renters insurance isn’t just “nice to have.” It’s a safety net that protects your financial future.
