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Renters InsuranceIf you've purchased a car, you know that auto insurance is a subsequent requirement. If you or someone you know has bought a house, you know that the mortgage lender will likely require home insurance. But what about renting? If you're renting a place to live, are you required to get renters insurance?

In many cases, renters insurance isn't required; however, it's highly recommended. Your landlord will likely have coverage to protect the property and building structures from damages. But their coverage does not extend to your personal belongings.

Let's say, for example, a fire burned through your apartment building. The landlord's insurance would cover the damage to the building and anything that was already there when you moved in, such as light fixtures and kitchen appliances. However, you are responsible for your furniture, clothing, electronics, artwork and everything else that you brought in to the space.

The average renter owns between $15,000 and $30,000 worth of possessions. If you experienced a loss, could you afford replacements? That's where renters insurance comes in. While it may not be legally required, it can sure help soften the financial blow of a severe loss.

Additionally, even though state laws do not require renters to buy insurance, some landlords will ask you to provide proof of coverage as a condition of the lease. It's important that you understand the lease terms before signing, which can prevent future disputes.

Still not sure if renters insurance is right for you? It may help to learn that this coverage is considered one of the most inexpensive forms of insurance you can buy. Call your independent insurance agent for a quote and see how affordable it is to get this valuable protection.

We've got you covered. Call Cloverleaf Insurance at (800) 530-5822 for more information on the renters insurance policies we offer.
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