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Even though you don’t own your own home you have personal property that can be lost to fires, burglaries and even lawsuits. If you are New York or nearer, and you don’t own your home but you have personal properties that can be lost due to some miss happening like fires, burglaries and even lawsuits. And you want to get insured from these risk, yes, you need renter’s Insurance policy. While most homeowners are insured for these risks, many renters are not. No one requires renters to buy insurance to protect their personal property, so many do not. It depends and varies according to your needs.
To get better understand please have a look of an example here under –
If the ceiling in your apartment is damaged by a storm, the ceiling is covered by your landlord. But what about your brand new stereo and TV that was damaged? Also, while the ceiling is being fixed, do you have enough money to immediately find another place to stay? These are the types of things that would be covered by your renters insurance policy.
Renters insurance can help you pay for repairing or replacing personal property that is damaged, destroyed or stolen. It may also cover most lawsuits or claims against you if you are responsible for injuring others or damaging their property.