What To Know When Getting Renters Insurance? 
Great question ! There are a couple of things to consider , when looking for a renters policy . The first is an idea of the coverage amount that you will need . It will help if youhave a list of your items , model numbers , serial numbers , and receipts , if possible . Many insurers will use a scale amount , and if you can show a greater value , thenyou want the coverage to reflect it . You may have some expensive tastes in electronics , lets say , that might otherwise be undervalued without proof of what they are worth . That leads us to the second point - ask for replacement value , vs. actual cost . The insurance company will pay a claim on the actual cost method by taking the value of your electronics , and subtracting an amount to cover them for the cost of depreciation and wear and tear on those items . Under replacement value , they will take the value as what it would really cost to replace that same , or similar , equipment . You can see that might be a big difference . It may cost you a couple of bucks more , but you will appreciate it if you ever need to file a claim . The third thing to consider is the coverage , and deductibles . You want to get the most coverage with the least out of pocket expense for you . Lastly , find a good local agent that will work with you , and that you will trust . I hope that gives you a better idea of what to look for.Thank you for asking ! 