18 articles
Expert guides, comparisons and tips tagged "renters insurance".
home insuranceMost people weigh renters insurance against what their belongings are worth. That is the wrong calculation, and it is why the honest answer is almost always yes.
home insuranceA smashed window is your auto policy. The laptop that was on the seat is your renters policy. One break-in, two claims, two deductibles, and often neither is worth filing.
home insuranceInfestations are excluded from every standard renters policy as a maintenance issue. Who is actually responsible, what the lease says, and what you can do.
home insuranceLoss of use pays the additional cost of living elsewhere after a covered loss. What counts, what does not, and the parts tenants routinely forget to claim.
home insuranceRenters liability pays when someone else is hurt in your home or by your actions. Your own injuries are your health insurance, and the naming confuses everyone.
home insuranceTheft is covered wherever it happens and forced entry is usually not required. The category sublimits are where claims disappoint, and cash is capped at almost nothing.
home insuranceColorado renters face the country's worst hail belt and a wildfire risk that reached the suburbs. What a standard policy covers here, and the gaps to close.
home insuranceIndiana renters pay some of the lowest premiums in the country and have some of the weakest statutory remedies against a landlord. That combination changes what you should buy.
home insuranceYour appliances are covered against fire and flood damage, never against simply failing. And the landlord's dishwasher flooding your flat is a different claim entirely.
home insuranceYour bike is covered wherever it is stolen from, but sublimits and the deductible frequently make the claim pointless. And e-bikes are often excluded entirely.
home insuranceElectronics are covered against theft and named perils, but they depreciate faster than anything else you own. The setting that decides what you actually get.
home insuranceFire is the peril renters insurance handles best. Smoke without flame, firefighting water, hotel costs, and the liability claim if the fire started with you.