Renters Insurance Info

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Renter's Insurance Info

Getting the best renters insurance for college

Most college students spend their first year in the school's dormitory, but as soon as they have the means, they seek out their own apartment, either alone or with a roommate. This rite of passage comes not only with the troubles of finding an apartment in a safe area with a low rent, but there are other considerations the college student must make with his first apartment. Perhaps one of the most important, if not most overlooked is getting the best renters insurance within a tight student budget.

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Who needs insurance?

Homeowners insurance is not just for those who own real estate property. The 33.8% of households in the 2000 US census who rent their dwelling from another can also benefit from insurance for renters. This is a subset of homeowners insurance, but it is a separate policy carried by the renter to protect his personal property. Who needs insurance for renters? Anyone who is not among the  40% who had renters insurance  from a 2008 Allstate study on the industry.

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What should I know about Texas renters insurance?

As of the 2000 census, 36.2% of dwellings in the state of Texas were occupied by renters rather than the homeowners. While many of these will have the home or apartment in which they live covered by their landlord's homeowner's policy against damage to the actual property, their own personal effects are not covered. Depending upon the lease terms, the renter might be required to purchase Texas renter's insurance, but it is not required by the state.

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What to know about Florida renter's insurance

As of the 2000 US census, the state of Florida has 29.9% of its residents renting homes rather than owning them, but not all of these have Florida renters insurance. The statistics are surprising. Despite not having their own possessions protected in the event of a loss or disaster, only 37% of renters in Florida have their own renters insurance policy.

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Why is apartment renters insurance important?

Apartment dwellers might not be required to carry their own apartment renters insurance, but this tiny monthly saving could cost the renter thousands in the event of a disaster. The landlord's insurance will not cover anything owned by the lessee, and in order to replace his goods after loss or damage, the renter will either have to pay out of pocket or to turn to his own apartment renters insurance policy.

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