If your car is stolen, comprehensive pays. If a driver who hits you has no liability insurance, comprehensive pays. Any time that your car is damaged in any way, you simply call the company who sold you the comprehensive policy and you will be given information about how to proceed. This amount is called the deductible amount. And as your age goes up and your driving record shows you are a careful driver, the annual cost of your insurance will decrease.
Most international students live in rented apartments.
Of course, the owner of the building has insurance that would protect him from financial loss if the building burned down or was destroyed in a storm or an earthquake. However, the owner of your apartment building is not responsible for replacing your property that is lost when the building is destroyed. Most renter's policies cover losses due to fire, storm damage, earthquakes, and so forth. These policies also usually cover the costs of replacing items that have been stolen from your apartment. The Advice Page The World. .