Personal Insurance - Other Coverages
The Landlord Isn't Responsible
Renters may believe their landlord's insurance will cover their belonging for fire and other perils - but this is true only in very limited instances. A tenant's (Homeowners) Policy is the ticket for renters to cover their expensive computer, clothes, furniture and all the other items one forgets about until it's time to move.
Don't overlook the liability portion in the Tenant's Policy. It protects the renter against a non-auto claim of negligence by a third policy. Such claims can come from any activity: golf, boating, skiing or slamming the door on your pianist friend's hand. Everybody needs liability protection, whether homeowner or renter.
