What is Renters Insurance

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Renters insurance protects you from two kinds of loss — property and liability. Property loss happens when your things get stolen or damaged by a covered event. Liability coverage helps when you're responsible for someone else's injury or damage to their property.

Whether you're in an apartment, house, dorm or on a military base, renters insurance may help protect you from the unexpected. For some rentals, your landlord may require you to have a renters policy.

 

Do I really need renters insurance?

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You may need renters insurance if:

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 Protection for belongings whether they’re in your apartment, backseat, or storage locker

You live in a dorm, on a base or rent a room.

You rent a house, condo, townhome or apartment.

Your landlord requires you to get renters insurance.

You need help with replacing stolen items.

You want to cover friends if they get hurt or their stuff is damaged in your home.

You travel a lot or keep stuff in storage.

You have expensive military uniforms that may get damaged.

You're moving from one rental to another.