So just because you have a high dollar amount of coverage for personal property does not mean all of your items would be covered if your home burned to the ground.
You can add earthquake coverage to your renters insurance, and then you'd have coverage for a personal property loss suffered as a result of an unexpected situation like that.
Unlike a standard home insurance policy, force - placed insurance often doesn't provide coverage for the personal property inside the home such as your furniture, electronics, clothing, etc..
Whether you're in college or not, you have coverage for personal property such as electronics, textbooks, clothes, and the like as well as for liability.
Renters insurance protects you with replacement cost coverage for your personal property, as well as additional living expense coverage associated with a covered loss.
In addition to the liability coverage your property management mandates, renters insurance also provides coverage for your personal property against fire, theft, vandalism, and other common perils.
You can add earthquake coverage to your renters insurance, and then you'd have coverage for a personal property loss suffered as a result of an unexpected situation like that.
In addition to the liability coverage your property management mandates, renters insurance also provides coverage for your personal property against fire, theft, vandalism, and other common perils.