I am a renter, not a homeowner. Do I need insurance?

The same rule of thumb applies to renters as to homeowners.  If catastrophe struck tomorrow, could you afford to replace everything you own?  Or if you were sued, would you have enough money to pay legal fees and possibly settle the suit?  If not, chances are you would benefit from the protection that renters insurance brings.

Renters insurance offers the same general personal property coverage and liability protection as a homeowners policy.  Thus, your camera is insured while you are on vacation, and you are covered if your grandfather clock crashes into the apartment lobby's wall and leaves a gaping hole.  In fact, most policies are surprisingly extensive and may include additional living expenses (also called loss-of-use coverage) if you are forced by fire or other damage to live elsewhere.

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Association of Wyoming Insurance Agents
		P.O. Box 799 Sundance, WY 82729-0799 Voice: (307) 283-2052 Fax (775) 796-3122 Email: awia@vcn.com