Rhode Island Renter’s Insurance
The landlord of your apartment has insurance, but it probably only covers the building where you live – not your belongings or your liability for accidents. If your possessions are stolen during a break-in or damaged by a fire or severe weather, a renters insurance policy will allow you to recover their value. If someone is injured during an accident in your home, renters insurance will help protect you in the case a liability lawsuit.
Examples of What Renters Insurance Covers:
- Fire or Lightning
- Windstorm or Hail
- Freezing of plumbing system
Renter’s insurance is affordable, usually under $20 a month, depending on the coverage amount chosen and whether full replacement cost coverage for your personal property is included. In addition, the cost of your renter’s insurance policy can be reduced further with a discount if you have auto insurance with the same company.
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