Just because your landlord has coverage doesn’t mean that you do too. In most cases, your landlord’s insurance policy covers only structural damage to the building itself. Renters insurance protects your possessions in case of a covered loss from fire, smoke, lightning, vandalism and theft. It also extends beyond on premise theft and hazards, covering property that is stolen from your car or is lost or damaged anywhere you happen to be.
The best time to learn about what’s included in a basic homeowners insurance policy is before you have a claim. We’ve gathered the answers to the most common “Am I covered if…” questions about your homeowners insurance policy to help you to minimize any coverage surprises.
When floodwater from a severe, a week-long storm started pouring through the walls of Becky Bentley’s house, she knew she had to get out fast. In a short time, it took her and her son to run upstairs to grab the family cat, the rapidly rising water trapped them on the second floor of their home.
Why is flood insurance needed
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