NO LESS VALUABLE
Just because you are renting a house does not mean that your things are any less valuable. Everyone has possessions that deserve to be protected. That is why you need renter's insurance - to protect the things that you own that are inside the place and also from liabilities if someone gets hurts while inside your home.
Landlords insurance only covers the building or the structure itself, the protection does not extend to the tenants using the place. Landlords insurance does not provide coverage for your personal possessions, even if the damage took place in the building. Ask your property landlord the extent of the building’s coverage so you know what to compensate for.
You need to purchase a separate renter's insurance to protect your personal belongings. The things that you own are often worth more than you think they do. Do not take the risk and leave them uninsured because you may not be able to afford to pay for their replacement. Such things should be considered an investment that should not be taken for granted.
INVENTORY OF POSSESSIONS
Before you buy renter's insurance, do a thorough inventory of all your precious belongings. It is highly recommended that you have photos of them so you have proof to present in case you need make a claim. Put the inventory in a safe place just in case you would need to use them one day.
Renter's insurance will also shoulder the legal costs of litigation if you damage someone else’s property or if someone gets hurt while in the vicinity of your home. In this case, your liability will be covered by your renter’s insurance as well.
Generally, having renter's insurance is a responsible move. It shows that you have a sense of respect and value for the things that you own and for the people around you, enough to give them protection against unforeseen events that could bring them harm.
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