The threat of loss of property from fire, theft or other causes is always present.
An accurate inventory and proof of ownership at the time of a loss can make claim settlement easier and faster.
The inventory will take time to compile, but the time and frustration it may save you later will more than make up for it.
What is Renter’s Insurance:
Renters insurance, sometimes referred to as an HO4 policy, can provide the financial protection you need in case your possessions are destroyed or stolen, as well as liability protection if someone is hurt in your dwelling.
Before you shop for renters insurance, take an inventory of what you own to decide what level of coverage makes you comfortable. Then, get a renters insurance quote and choose the policy that's right for you.
If you rent your home, having insurance protection for yourself and your possessions is still important. Similar to home insurance, renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances your landlord’s policy doesn't cover.
Renters insurance typically provides coverage, up to the limits you select, for specified items and situations, including:
• Personal property (furniture, electronics, computer equipment, clothing, etc.)
• Personal liability if someone is hurt, whether in your home or away from it
• Damage to your apartment or home caused by a covered loss
http://homeowners.progressive.com/renters-insurance-quote.aspx
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