Does Renters Insurance Cover Water Damage To A Laptop? 
What 's the importance of Renters Insurance ? If you 're renting a house , condo , or an apartment , the last thing you 're thinking about is renters insurance . Since you do n't own the building , the landlord is covered , and you do n't value your personal belongings to really add up , what 's the point ? What would you do if : The building or home catches fire and all your personal contents are destroyed . Now , all your belongings are gone and you do n't have a place to sleep . Your home or apartment is burglarized ; you 've lost your laptop , mobile phone , entertainment system and flat screen TV . How about your more modern technology items such as a Tablet , iPhone , iPod etc. . . A visitor or service provider trips and falls in your home or apartment and decides to sue you for his injuries . Whether or not it is your fault , a renter must replace his or her personal items . If there is a law suit , the renter will have to seek a defense attorney even if there is clearly no fault . How much would it cost to replace your clothes , laptop , and furniture . Here are some reasons to have renters insurance : BURGLARY . You may think your apartment is `` secure '' ! Rental units are prime targets for theft and burglars are getting smarter about how to break into apartments and rental homes ; most of them do not have a security system and are not insured . FIRE OR SMOKE DAMAGE . The landlord 's insurance wo n't replace your furniture and personal belongings . Renters insurance will cover items damaged by fire , smoke , and other situations . WATER DAMAGE . Renters insurance may cover items caused by water damage . Additional living expenses . If your unit is damaged by water or fire , you 'll likely need to find another place to live whether short or long term . Most policies include coverage for hotel expenses or assistance to find an alternate rental unit if you ca n't live in your rental unit . LIABILITY INSURANCE . Renters insurance can cover injury to another person on your property . It can also include medical payments coverage that pays for expenses of guests . Inexpensive . Renters insurance is very inexpensive if not relatively cheap ! Higher deductibles can decrease the cost of insurance . Renters insurance is a must if not required by your landlord and can save you thousands of dollars , all for a lot less than you might think . Get a free quote and get covered today online by visiting WEBSITELINK 