How To Get Renters Insurance? 
There are several ways that you can purchase a renters policy . If you search the internet you will find some websites that will actually quote and issue a renters policy . The problem you face with this approach is that a policy is selected to pay your damages when you suffer a loss may be inadequate . It is quite likely that when you actually suffer that loss you will find that you are not sufficiently insured . Then the insurance policy you have been paying on becomes the most expensive policy that you could have purchased because it wont cover your loss . The better approach is to engage an insurance agent . You may not know an agent . Get recommendations from your neighbors , friends and colleagues . A good agent will listen to you , provide sound financial advice and communicate clearly with you and the insurance company . You really want everyone to be on the same page at the time of a loss . The agent will probably start by asking you the value of your personal property . To prepare for that question , I suggest that you take pictures of everything that you own . You can store that valuable record off site in case of a loss . Review the pictures and make an estimate of the cost to replace everything that you own . The sum of those estimates determines the value you need to set on your renters policy . Remember that you are looking at replacement value , not current value . In this process you might have property that is subject to internal limits within the policy . You need to specify the replacement value of any jewelry , guns , computer equipment , and collectibles . There are other classes of property that warrant special attention . Ask the agent about any unusual property that might be in your possession . The next thing that the agent will discuss is the liability limit . Insist on the highest limit that the agent can write . You can never have enough liability insurance . This protects you by providing for your defense and any awards against you up to the limits of the policy . You want these limits to be very high . A lawsuit can ruin your life . If you have a pet make sure that the agent knows about the pet . This is particularly important if you own a dog . Policies often have greatly reduced liability limits for dogs and may exclude all coverage for dogs of certain breeds or with a history of biting . This is a major source of claims . If you have a trampoline on the property makes sure that the agent knows that as well . Often owning a renters policy is a requirement of a lease . In those cases the landlord generally wants to be named as an additional insured . You need to have his or her name and address to provide to the agent . Incidentally , this is a reasonable requirement of the landlord and might be required by his or her insurance company . The final piece of information has to do with any losses that you might have previously suffered either at the unit you are currently renting or another unit . The information should be as detailed as possible to assist in underwriting your application . 