How do I know how much renters insurance to buy?

You've followed your rental guide and it's time to move in! Your furniture is in place, 公用设施已经连接好了，你的租赁单元开始看起来像个家了. And now you might be asking yourself — do I need renters insurance? It is estimated that 56% of renters do not have renters insurance.

A renters policy is more important, accessible and affordable than you might think, and in some cases, renters insurance is required by landlords. 但租房者往往不清楚什么是租房pp王者电子官网，pp王者电子官网范围是什么，他们需要多少钱.

What does renters insurance cover?

In short, renters insurance covers what you own. 大多数房东的pp王者电子官网只包括建筑物和疏忽造成的损害. 为一些最常见的财产损坏和损失——比如盗窃——投保, vandalism and fire — is entirely up to you. Without renters insurance, you may have to bear the financial burden of a loss on your own, including the cost of a hotel stay if you cannot live in your apartment while repairs are made.

Want to protect your stuff?

Most renters' belongings cost more than they think. The average person has $30,000 worth of belongings that are probably not covered by a landlord's policy. Take a moment to add up the approximate cost of your computer, television, stereo, furniture, jewelry and clothing. 如果明天一场大火烧毁了你的公寓，你有足够的钱把它全部换掉吗?

租客pp王者电子官网承保的范围远不止你的个人财产. 一般的pp王者电子官网可以包括高达10万美元的责任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.

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How much renters insurance do I need?

Renters insurance is relatively inexpensive. According to NerdWallet, the average renters policy costs about $15 per month for up to $30,000 in personal property coverage. 这是可靠的覆盖，比每周喝几杯咖啡的成本还低. Here are some tips to help you determine your insurance needs.

• Complete an inventory of your possessions. 个人财产pp王者电子官网可能是大多数人购买租房政策的主要原因. The coverage will reimburse you for covered loss, 损坏或盗窃您的个人财产，但金额不超过一定数额. Completing a home inventory is a good way to determine how much property coverage you need. This inventory lists your personal possessions, along with details about their age, purchase price or current value and other identifying information. While you’re at it, take pictures or a video of your property.
• Check with your insurance agent about discounts. Many insurers offer significant discounts if you buy more than one policy with their company. 对于租客来说，这通常意味着购买汽车pp王者电子官网. But life, business and other plans may also qualify.
• Choose the right deductible. 免赔额是指你自掏腰包支付的承保损失金额. 换句话说，这是你的pp王者电子官网公司从任何赔付中“扣除”的金额. For example, if a fire causes $1,500美元的个人财产pp王者电子官网损失，你的免赔额是500美元, then your insurer will pay you $1,000.

你的租客pp王者电子官网费将反映你同意支付的免赔额. Lower deductibles mean higher premiums; higher deductibles mean lower premiums. 请记住，pp王者电子官网公司不会赔偿你低于免赔额的损失. This means if your deductible is $2,000 and you suffer $1,750 in losses, then you are entirely responsible for those costs, even if the cause of the loss is covered by your policy.

When choosing a deductible, think carefully about the out-of-pocket costs that you are willing, and able, to pay. 一个有纪律的储蓄者也许能够用现金储备抵消高免赔额带来的更大风险. Others, however, 将不得不平衡更高的免赔额的好处和更大的自付费用的风险.

• Assess your liability. 如果有人在你家里受伤，你的房客政策的责任pp王者电子官网可能会保护你. 如果你对他人的财产造成损害，它也可以保护你. 除了和解费用外，一些保单还将支付辩护和法庭费用. 典型的租客pp王者电子官网政策提供10万美元的责任pp王者电子官网. For renters, this amount is often sufficient. However, if you entertain company frequently at your home or if your assets exceed your limit, 你应该考虑至少等于你资产总价值的pp王者电子官网金额.
• Supplement coverage if necessary. 请记住，你的保单将排除某些风险(如地震和洪水损失)。, limit coverage on some items (such as computers, firearms and silverware) and might not cover a business in your home. If you have special insurance needs, 与你的代理人讨论扩大限制或增加单独的政策.

And finally, 你的公寓所在的位置将在决定你的租客pp王者电子官网费率方面发挥重要作用. Prices will vary based on your state, city and neighborhood. Safer locations might mean lower rates, 因此，在消防站附近的低犯罪率地区租房可能会省钱. Your rates will also reflect the safety of the rental property itself. For example, an older, 未翻新的建筑可能有更高的电气和管道问题的风险, and that can mean higher rates. Fortunately, steps as simple as installing smoke detectors and fire extinguishers 住在你的公寓里可能意味着真正的节省，即使你租的是一套旧房子.