- Know what you’re protected against. Basic coverage will protect you against fire, vandalism, lightning, and water damage. It will also cover damaged possessions and protect you from liability lawsuits.
- Create a list of your possessions. Take an inventory of your possessions by listing the make, model, serial number, and cost of the items. Pictures of your possessions may be helpful for identification purposes.
- Be aware of the cost of renter’s insurance. Most renters can get coverage for a few hundred dollars a year. Many insurance companies offer different types of renter’s insurance. For a free estimate, log on to www.netquote.com. — Erinn R. Johnson