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Thanks for making it easy to find the cheapest renters insurance. Knowing our stuff is always protected gives me peace of mind.

Matt and Bethany, Charleston SC

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Rented house contents insurance is a necessary policy for anyone who rents a home. Your landlord most definitely has his assets protected through structure insurance, however, unless you obtain coverage for your rented house, you could stand to lose all of your possessions should there be a fire or flood. Add to that the possibility of a burglary and you are faced with numerous threats to your safety as well as your personal property.

Why You Need Insurance

As mentioned, there are threats which come at you all the time. You could easily be the victim of a robbery, or bear the wrathful destruction of a fire. Flooding occurs in all sorts of towns and for many different reasons all across the country. These threats can be from natural disasters such as a tornado or hurricane, or man made. Something so seemingly benign as your room mate forgetting to shut off the bath tub faucet. Whatever the cause, the threat of destruction is very real and your contents could be lost without help from affordable content insurance coverage.

Even though it's the law, you would never think of driving without car insurance and leaving yourself and your financial investment unprotected. Likewise, you should never opt out of carrying rented property insurance. Your work hard in order to enjoy the trappings of your lifestyle. Shouldn't you protect the investment you've made in your possessions and the achievement of attaining your material goals?

Along with rented house contents insurance, you'd be wise to provide liability coverage , for your protection as well. Should you have a guest to your rented house and that guest become injured or suffer damage to his or her own personal property while in your rented house, you would be financially responsible for any medical bills or compensation. When you obtain liability coverage in addition to rented house contents insurance, you ensure that the need for medical or property compensation will be met. Without it, you could very well find yourself on the receiving end of a lawsuit.

Securing rented house contents insurance with a liability addition doesn't necessarily prevent you from being sued, but it does provide you with a way to provide for immediate needs of your injured guest. Should you be sued, depending on your policy, you may have a provision for legal counsel. Inquire of your rented house insurance agent as to the stipulations of your coverage.

How to Find Contents Coverage

Before you begin your search for rented house contents insurance, you'll need to determine the amount of value for your personal property. This is easily done, depending on the amount of contents you have, in a few hours of an afternoon. Take an inventory of your possessions. Leave nothing out. Make sure you list all of your valuable contents, such as high-end electronics, fine jewelry and collectibles. Assign a value to each item and add the amounts. You should insure your personal property for that amount.

Keep in mind, anything of high value, such as expensive jewelry, furs, photography equipment, or musical instruments, may need to have it's own policy, or rider. This is a separate policy providing for that particular items replacement or compensations. For an item of extreme value, you may need to provide an appraisal.

Make copies of your inventory and take pictures or make a video as well. Secure both the video, or pictures and the inventory in a location away from the premises. This offers protection of your inventory in case the house is destroyed. A bank safe deposit box is a good place to store your personal contents inventory.

When you are looking for rented house contents insurance, the best approach is to comparison shop. Request quotes for both rates and coverage from the top local companies and you'll soon find out just how affordable rented house contents insurance can be. Compare and review all of your options for coverage before making your choice. Remember, since you set the limits of your coverage, that is, the replacement or cash value of your possessions, you can control the cost of your policy.

Make sure the policy you choose offers you adequate protection for both the value of your personal contents of your rented house, and the protection in the form of liability insurance. Your rented house contents insurance will be worthless if you underinsure your property. Likewise you never want to waste good money by over insuring your property.

Providing Coverage For Your Property

The responsible choice, as a renter, is to provide coverage for your personal property as well as liability protection in the event of misfortune. When you secure rented house contents insurance, you are making the decision to act responsibly. By protecting your property and your lifestyle, you will be providing yourself with peace of mind.