Are you one of the many people in the US who rent their home or apartment? If you are, have you taken every measure to ensure that your belongings are covered against loss or damage? One way to do this, of course, is with a renters insurance policy. Renter’s insurance will not only cover your personal possessions, but it will also cover you against damage to a neighbor’s property.

Surprisingly, there are still many people who do not have renters’ insurance. Why is that? There may be some who think that renter’s insurance is too expensive and their belongings are not worth anything. However, if you were to add up how much money you would need to replace those belongings, the benefits of having them insured would become very apparent. Plus, renters’ insurance can be very affordable, depending on the type of policy you choose.

Another reason some do not obtain renters insurance is that they assume they are covered by the homeowner’s insurance policy. If you fall into this category, make sure you check with the homeowner, as your home’s contents may not be insured under their policy.

If you still do not have renters’ insurance, why not do some research to find a policy that works for you? That way, you can enjoy the peace of mind that your belongings will be covered in the event of some unforeseen calamity.