Whether you rent apartment, duplex, townhouse or house, your landlord's insurance covers losses or damages to the building itself. To protect your personal property, you'll need a renters policy to repair or replace property that you own if it is stolen, damaged or destroyed.

You can add valuable personal property like jewelry, paintings, boats or other personal property you own.

Renters insurance, can provide the financial protection in case your possessions are destroyed or stolen as well as liability protection if someone is hurt in your dwelling.

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