What Do I Need To Know About Renters Insurance And What Does It Cover

Answer for "What do I need to know about Renters Insurance, and what does it cover?"

Andrea Cerza real estate agent
  Coldwell Banker Residential Brokerage

You might think, "Why do I need insurance, I'm renting?" Well, even though your landlord probably has an insurance policy on your building, you'll need to protect your personal interests too. And it only costs a little to protect a lot. Renter's insurance is less costly than you might think.
Your Property
- What would it cost to replace the contents in my home?
- Do I have an inventory and photographs of my personal possessions?
You and Your Guests
- What kind of protection do I have against liability.
- Will my guest's medical expenses be covered if they are accidentally injured in my home?
Your Coverages
- What additional coverages are available for my personal property such as: sports equipment, electronic data processing equipment, jewelry or other valuables?
- Do I have an inventory and photographs of my personal possessions?
- I'm getting married, can I get additional protection to cover wedding presents and other personal property I receive?
Your Money
- Can I save money if I have my auto insurance with Allstate too?
- How can I make my home safer and possibly save money?

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