Whether you live in a small apartment or rent a large home, renters insurance is relatively inexpensive and provides important protection. It helps you replace your belongings, should they be damaged in a fire or tornado, or you become the victim of a theft. But it also provides you personal liability coverage, as well as additional living expense, if the covered loss displaces you from your home.

How do you decide how much coverage you need, especially since most renters underestimate the cost to replace everything they owned? We recommend that you inventory your personal property before the claim happens so you are prepared.

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