Do I really need renters insurance coverage?
你已经遵循了租房指南，是时候搬进去了.
Your furniture is in place. 你的公用设施都接上了，你的出租单位也开始像个家了. Is renters insurance next on your to-do list? If you answered no, you’re not alone. 根据独立pp王者电子官网理算员 & 美国房地产经纪人协会(IIABA)，几乎三分之二的美国住宅承租人.S. don’t carry renters insurance.
然而，租房政策比你想象的更重要，更容易获得，价格也更有竞争力. And, in some cases, renters insurance is required by landlords. 但租房者往往不清楚租房pp王者电子官网是什么，包括什么内容， how much it costs, and how much they need. Don’t know if you need renters insurance? Ask yourself these questions:
- How much are my belongings worth?
- 如果它们在火灾中丢失或在事故中被毁，我能把它们全部买回来吗?
- 如果有人在我的公寓里受伤并向我提出pp王者电子官网索赔，我该怎么办?
- 如果我被发现对别人的财产损失负有法律责任怎么办?
Get a renters insurance quote
What does renters insurance cover?
What does renters insurance cover?
简而言之，租客pp王者电子官网涵盖你所有的东西. 大多数房东的pp王者电子官网只包括房屋和疏忽造成的损失. 承保一些最常见的财产损害和损失原因, such as theft, vandalism and fire, is entirely up to you. 如果没有租客pp王者电子官网，你可能不得不自己承担损失的经济负担. Could you cover losses from:
Accidents
Impacts from vehicle, falling objects that hit your property, fire, smoke, water damage from plumbing or appliances
Weather impacts
Weight of snow, sleet, or ice; lightning, windstorms, hail, 以及水管系统结冰造成的水害
Other mischief
破坏公物、盗窃、暴动或骚乱、飞机和车辆损坏
Loss of use
当你的房屋因承保损失而无法居住时, 这种pp王者电子官网在修理(或更换)房舍所需的最短时间内提供额外的生活费用, 或者让你家里的人在另一个家里定居最多24个月.
特别pp王者电子官网限额适用于某些类型的个人财产，包括:
- Boats and other watercraft equipment
- 货币、纸币和硬币(包括收藏品)
- 用于或打算用于商业的财产
- 证券，支票，旅行支票，礼品卡，电话卡
- 邮票、交易卡、漫画书(包括集锦)
- Theft losses of jewelry, furs, firearms, silverware and goldware, rugs, tapestries, and wall hangings
大多数租客的物品比你想象的要贵. 花点时间把你的电脑的大致成本加起来, television, stereo, furniture, jewelry and clothing.
租客pp王者电子官网不仅包括你的个人财产，还包括责任pp王者电子官网. That means in the event of a covered loss, 如果你对伤害他人或损坏他人财产负有责任，你的pp王者电子官网公司将帮助支付费用. 此外，无论事故发生在您的住所还是其他地方，本pp王者电子官网都适用.
How much renters insurance do I need?
Assess your liability
What’s not covered by renters insurance?1
请记住，您的保单将排除某些风险:
- 房屋、屋顶和壁板的财产损失(由房东负责赔偿)
- 由洪水或地下水造成的水损害
- 由地震和滑坡等地球运动引起的损害，或由核危险引起的损害.
Renters insurance options
Personal liability umbrella policy
Pet medical insurance
Optional renters insurance coverages
Identity restorationEarthquake damage
Get a renters insurance quote
State Farm Fire and Casualty Company
State Farm General Insurance Company
Bloomington, IL
State Farm Florida Insurance Company
Winter Haven, FL
State Farm Lloyds
Richardson, TX