What do I need to know about renter's insurance?

Holy cow, here’s a ton of info to wade through.

I would pick a company who is well versed in the different types of insurance. I just helped my son get an HO-6 condo policy from Allstate, and I was very impressed with their knowledge and good rates.

Anywhere i’ve gone i’ve always seen it as a requirement, but it’s a good idea to get regardless.

Start with whomever you have car insurance with because you can get policy discounts. most of the time, i’ve been quoted at 8–12$ a month or something like $120 upfront for a 1b/ba in SoCal.

Most larger insurance companies will offer renters insurance, so start with the big ones. They’re not as complicated as car insurance ones, mostly just how much money’s worth do you want to cover

We have found that carrying all our insurance under one company saves money. I would call around for at least three quotes, from Farmer’s, AllState and Geico.

Be sure to go over your policy carefully so you receive all the coverage you think you should. The price varies according to the coverage.

As a landlord I require it but don’t require confirmation. If you accidentally catch the place on fire it covers your liability. In addition, it is the only thing that covers your belongings. I would get it for sure.

It varies whether it is required or not. Check the laws for your state.

Most major insurers offer it. You can check their ratings online.

It has been required in the five places I have rented (in three different states), but I have never had a landlord ask for corfirmation. I didn’t worry about it in college when I had nothing in my place that didn’t come from a thrift store or craigslist and carried my laptop with me 24/7.

Thanks everyone. I checked with my apartment’s management company and they do require it (and even if they didn’t, after having read up on it, I would’ve still gotten it anyway seeing as I’m…err…a bit accident-prone lol).