Over half of the renter’s in the country don’t have any coverage at all. People would be surprised what they can afford and most policies are very affordable.
One of the parts of a renter’s insurance policy that needs to be taken into major consideration is the loss of use provision. This is coverage that is for if something were to happen that would make the home uninhabitable. The key to this is to make sure that there is enough coverage in this area. The coverage needs to be enough to cover not just the rent in another place, but the day-to-day expenses as well, such as toiletries, while the person is displaced from their home. The standard in most policies is just 20% of contents coverage, while the suggested adjustment is 40%-50% of contents coverage in order to get adequate policy limits
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