If your rent your apartment then you need renters insurance to make sure you are properly covered. Because if you come home to find it wrecked, your landlord won't pick up the bill.

What if your apartment floods from leaky pipework? Or one of your appliances short-circuits and causes damage to your furniture? Then who picks up the bill?

Your natural reaction might be to think that your landlord will. But actually this isn't neccessarily the case, and increasingly landlords are stipulating that you need renters insurance before they will even allow you to rent their property!

Renters insurance covers your personal possessions such as furniture, computer, clothing, stereo, paintings and other items that are not covered by your landlords insurance.

So that the pipework for example if your pipes leak may be covered and fixed by the landlords insurance, but that is not going to do you any good when you have to pay for the new furniture that the flood ruined!

This is where renters insurance can help, because it will enable you to cover your possessions against for example fire, wind damage, lightning, theft, vandalism and water damage caused by leaky pipework. Also it can cover you against claims for damages against you by people injured in your home.

So that for example if someone hurts themselves by falling over a chair in your apartment, then the renters insurance may pay for your legal costs to defend yourself if you were taken to court. A scenario that is becoming much more common in our litigious society, and hence well worth thinking about. Could you afford the costs to defend yourself?

The bottom line is that renters insurance is really about securing peace of mind for yourself through personal liability cover, and protection for your possessions. The landlord is covered for damage to his property after all. Doesn't it make sense to be covered for damage to yours?

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