Theses include earthquake, sewer back up and furnace oil spills. Landlords are not responsible for the possessions of a tenant. If you're renting an apartment or living in a condominium, it's a good idea to get insurance. Even though it may not look like you have a lot of valuable belongings, the cost of replacing stolen or damaged goods could be quite high. Renters and condominium owners can get coverage for both the contents of the apartment and for any improvements they have made.
Cottages are a great place to relax and get away from it all.
Many people consider their cottage a home away from home and should consider insuring it in the same manner. Cottages can be covered within a house insurance policy or separately. However, there are a few differences between cottage insurance and home insurance. This means that the owner must prove there was forcible entry in order to file a claim. Also, in winter, collapse of a roof due to the weight of accumulated snow will not be covered.