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Burlington renters insurance is a necessary investment for every tenant. Renters avoid many of the hassles and expenses of home ownership, but they face some of the same perils as well. Your landlord or apartment complex manager is not liable for any loss of property you incur after a theft or disaster, so Burlington renters insurance is your best line of defense for recuperating your losses. Fire, roof damage or leak can happen to anyone, but only those with Vermont renters insurance protection will be able to recover the value of their belongings.

Burlington is the largest city in Vermont, located in the western part of the state just 45 miles from the Canadian border. The Burlington-South Burlington metropolitan area is home to one-third of the population of VT, though its area accounts for less than a quarter of this largely rural state. Burlington is a college town, home to the University of Vermont. Students make up a large portion of the renter population, and young adults newly out on their own may not even have Burlington renters insurance on their radar. But students are some of the likeliest victims of burglary since they are known to have valuable electronics.

VT homeowners insurance is a requirement for a mortgage, but renters do not have the same financial obligations as those who own. One way to obtain an inexpensive Burlington renters insurance policy is to bundle it with your car insurance. Apartments, town houses and rental houses should require renters insurance, but they often do not. Now that you are in the know, take the steps to protect yourself.

What is Covered

A Burlington renters insurance policy covers a long list of perils. Rental coverage is specifically designated as HO-4, a form of homeowners insurance that includes a list of named perils. If you are struck by one of the named perils, you can count on your Burlington renters insurance to cover the resultant expenses. They are: fire, lightning, smoke, windstorm (like tornadoes), hail, vandalism, theft, falling objects (like trees), weight of snow or ice, building collapse, water damage (from burst pipes or leaking appliances) and structural damage from electrical surges, though not from your personal appliances like televisions or computers.

There are perils that are typically excluded. You can sometimes purchase a rider or endorsement to cover those exceptional perils, a wise investment if you are in a high-risk area. Earthquake, floods, hurricanes in prone areas, war, pet damage, insect infestation, mold, pollution damage, water damage from sewer back-up, deliberate or reckless damage and normal wear and tear are not included in typical policies. Hurricane Irene that devastated parts of Vermont in 2011 brought the need for flood and hurricane coverage to the forefront of many renters and homeowners' minds, and the proximity of Burlington to Lake Champlain makes the peril of flooding likely.

In addition to peril riders, you can also purchase endorsements for special belongings. Large collections, jewelry, furs, oriental rugs and fine art are just a few of the personal items that can be specially covered under Burlington renters insurance. In addition to belongings and structural damage, your Burlington insurance policy also protects you from liability for people who are injured on your rental property, and it could pay for your legal defense in such a case.

Ensuring Adequate Coverage

Your Burlington renters insurance policy limits are determined based on the size of the VT rental unit, the value of the belongings inside and a variety of other factors like distance to the nearest fire station and the age of the structure. Since your belongings are your primary concern--paying for damage to the structure is the responsibility of the Burlington apartment manager or landlord--getting adequate coverage means estimating the value of your goods. The best way to do this is to take an inventory.

An inventory is a comprehensive list of every item in the unit, and should include the original value and age of the item, as well as any receipts or certification available. A serial number can also be helpful for recovering stolen goods. Along with this list, renters should provide photographs of the goods to show where they are located and in what condition. The list should be organized by room, and you can even provide a walk-through video of the rental unit with narration.

It is important to keep the list up-to-date. When you purchase new valuable items, add them to the inventory immediately. The list should be reviewed annually to make changes. Submit a copy of the inventory to your Burlington renters insurance provider and keep one for yourself in a safe place like a safe deposit box. This list is your best tool for being sufficiently compensated after a disaster.

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