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Do You Need Renter's Insurance?

Your apartment has everything you need in a home -- it's your shelter and retreat; a place where you are comfortable surrounded by the possessions and comforts of your home. You might feel your investment in it doesn't amount to much as compared to one in a house. Even so, you should guard

against the unforeseen.

Most tenants are somewhat right in thinking that the landlord is responsible for unforeseen damage to the apartment. But the whole truth is that the landlord's insurance cover handles damage to the building only! not what's in it. So in a fire, or a natural calamity like a flood, the landlord gets money for the building damaged, but you don't get a dime for things you lose.

That means if your clothes, your stereo and your television are ruined, you are going to have to buy new ones.  And that's why having renter's insurance is really a necessity, not a luxury.

Then the next argument that renters give is that they don't have enough 'stuff' to warrant renter's insurance.  This just isn't true.  Think about all of the things that you own and what you paid for them.  Even if you just add up

the contents of one room, you'll find out that you have a lot more value in your apartment than you think.

Especially when you think that most people are worth thirty-forty thousand dollars in personal items -- things they must buy again, if there is a fire or a disaster. And this figure shoots up if you run a home business. Your

office equipment, including your computer and printer, can add thousands of thousands of dollars to the replacement cost. And the loss in business and profits while you are setting up again adds up in your bill of damages.

You can also include any jewelry that you own.  Engagement rings and wedding bands can be included as well as other luxury items like furs.  Why not protect your investments?

Above all, renter's insurance provides peace of mind. Considering all its benefits renter's insurance isn't very costly. Indeed, it doesn't cost more than a CD each month for most renters. With one CD less each month you can buy foolproof security for your household things and be free of

anxiety.

And combining it with other classes of insurance like auto or life makes renter's insurance even cheaper. With all the comfort, cover and security you need, why not sleep well at night -- no matter where you are.

Graham Herten operates the website and is a writer for FSG insurance, inc.

which a site dedicated to researching insurance related topics and contains all the very latest insurance news and views.

Please visit http://www.fsginsurance.com for any comments or questions about this article