How Much Coverage Do You Need?
The first thing to think about is how much coverage you need on your Greensboro, NC Renters Insurance. There are two major things to consider. The first, of course, is liability. Chances are good that your landlord has told you that you must have at least $100,000 or $300,000 of liability coverage. That’s a good starting point. In many cases, you can increase that to $500,000 with little or even no difference in the cost. Extra coverage is never a bad thing.
As far as personal property goes, you’ll want to add up the replacement cost of all of your property. There’s your number. What’s replacement cost? It’s the amount of money it would cost you to go buy a new item of like kind and quality. For instance, your computer may be a few years old. You’d want to replace it with a new one. What would it cost to do that? Don’t forget about software packages you’ve paid for, as well. Add that number up, and then round it up comfortably to give yourself a pad for all of the things that you inevitably forgot because they’re in the back of a cabinet.
Loss of use is generally a function of personal property. That coverage will be set based on how much personal property coverage you have, in other words. In addition, don’t forget about medical payments to others. Medical payments is an easy way to take care of small things that happen to guests without dealing with a liability claim. Generally you can get up to $5,000 of coverage and it has very little impact on the cost.
What Else Do You Want To Protect?
When you buy renters insurance in Greensboro, you’ll want to think about specific other types of coverage that you can add, as well. Do you have jewelry that should be endorsed on? Do you want or need water backup coverage? There are some other options, also, such as identity fraud coverage which is a good choice for most people. That usually runs about two dollars a month. Ask your renters insurance expert about those, and any other endorsements you may be interested in.
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