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| News reports of apartment fires often include tragic stories of renters who lost everything because they were uninsured. If you rent an apartment, duplex, house, or townhouse, your landlord´s Spring apartment insurance policy covers losses to the building, but it does not cover your personal property. To protect your belongings, you need a separate renters insurance policy. Renters insurance covers your personal property and household items in the event of a fire, theft, or other loss. It also offers you financial protection if a visitor is injured in your home. |
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| Those who do buy the Spring apartment insurance can usually get it at a good price and feel secure they're not left exposed to accidents, injury or damage. Renters insurance covers unexpected accidents, injury or damages. |
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| Spring apartment insurance is fairly inexpensive. The average renters insurance policy is a little over $30 a month. How much are all your possessions worth? What if you had to replace them all? |
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| Your landlord's Spring apartment insurance doesn't cover your personal property. Things like your clothes, stereo, furniture, television, bicycle, jewelry, personal computer, artwork and other items are not covered against destruction or loss by your landlord's insurance. It is important to purchase a renters insurance policy when renting. |
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| A Spring apartment insurance policy usually includes liability coverage for unintentional damage or injury, compensation for personal property that is stolen or damaged and payment for additional living expenses if you have to move out or temporarily relocate because of damage done to your residence. |
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| When you look at the trade-off, paying a small premium for coverage against the cost of replacing what has taken you years to accumulate, Spring apartment insurance makes perfect sense. Renters insurance covers your belongings. |
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| A complete inventory of your property can be helpful if you ever file a claim with your Spring apartment insurance. Keep a copy of the inventory, along with receipts and photos or a videotape, in a secure place, such as a safe deposit box. These will help prove your losses to the renters insurance company. |
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