I am a renter, not a homeowner. The same rule of thumb applies to renters as to homeowners. If not, chances are you would benefit from the protection that renters insurance brings. Renters insurance offers the same general personal property coverage and liability protection as a homeowners policy. Thus, your camera is insured while you are on vacation, and you are covered if your grandfather clock crashes into the apartment lobby s wall and leaves a gaping hole.
Renters insurance is surprisingly inexpensive.
That s because you are not insuring a building. Your insurance agent can help you find the best combination of coverage and cost. Contact your agent as soon as possible. For example, if some of the windows in your home have been blown out by wind, you may board them up to prevent additional damage. In fact, your policy covers the cost of these emergency measures.