New Jersey Renters Insurance Coverage

Renters insurance covers damages to your possessions when you rent rather than own your home. If you rent your home, having insurance protection for yourself and your possessions is still important. Similar to home insurance, renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances your landlord's policy doesn't cover. Renters insurance typically provides coverage, up to the limits you select, for specified items and situations, including:


  Personal property (furniture, electronics, computer equipment, clothing, etc.)

  Personal liability if someone is hurt, whether in your home or away from it

  Damage to your apartment or home caused by a covered loss


Imagine going to dinner or a special family get-together, and when you return home, you're greeted by the flashing lights of police cars and fire trucks. Building fires and damage can happen anytime, anywhere, but with proper renters insurance, your personal property inside your apartment will generally be covered if it's affected by any of the following:


  •   Fire

  •   Smoke damage

  •   Theft

  •   Collapse of the building due to weather

  •   Water leakage or overflow

  •   Freezing of plumbing, air conditioning and more


Renters insurance will protect you from incidents that occur at your home, such as a toaster catching on fire or a friend slipping and falling while visiting you. Renters insurance provides coverage for your own items, and it provides coverage for other people's injuries or damages in situations for which you're liable.

How Does Renter's Insurance Work? 

Provided by eHow Finance

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