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Home Insurance If You Rent
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Posted On :
Jun-18-2009
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Article Word Count :
397
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If you rent your home then your landlord will probably have buildings insurance to cover the actual building. Anything you own needs to be covered by a separate contents insurance policy.
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If you rent your home then your landlord will probably have buildings insurance to cover the actual building. Anything you own needs to be covered by a separate contents insurance policy.
The most basic policies cover your financial losses if your possessions are damaged or destroyed by fire, theft or flood. You can opt for cover for taking things out with you, like mobile phones, jewellery and laptops.
If you rent a fully furnished property, you probably gave your landlord a deposit. If you damage anything, the chances are the landlord will take the costs of repair from your deposit. There are special tenants contents insurance policies which will protect your deposit, and they are quite reasonably priced.
I you share your rented property with others, you can insure your belongings separately or you can look at a joint policy. This can work out cheaper so it is worth shopping around.
You will need to give an estimate of the total value of all the things you want to insure. The higher the amount, the higher the premium, but dont say less than your things are worth or you will lose out if you need to claim.
Keep in mind that for your landlord the security of your possession may not be as high a priority as it is for you, so if you have any concerns about the security of your rented home then be sure to raise this with them. Windows which have no locks and a lack of a burglar alarm could make your house an easy target for burglars.
When you first move into a rented property ask the landlord about changing the locks. If the locks have not been changed, previous tenants may still have copies of the keys to your home and could use them to steal your things.
Also ask your landlord about checks to gas appliances and make sure you mention any faulty or damaged electrical appliances. Insist that smoke alarms and carbon monoxide detectors are fitted and test them regularly.
Keep an inventory of all the things that you own that you wish to insure, with receipts if possible particularly for expensive items like computers, mp3 players and cameras. This will help to get your claim processed quickly if you should be unlucky enough to have to make one.
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Article Source :
http://www.articleseen.com/Article_Home Insurance If You Rent _1179.aspx
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Author Resource :
Visit Kwik Fit Insurance where you can call up competitive house insurance quotes in no time.
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Keywords :
home insurance,
Category :
Home and Family
:
Home Security
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