{"id":5541,"date":"2024-05-15T11:16:59","date_gmt":"2024-05-15T15:16:59","guid":{"rendered":"https:\/\/www.monmouth.edu\/reslife\/?page_id=5541"},"modified":"2025-11-25T08:47:50","modified_gmt":"2025-11-25T13:47:50","slug":"renters-insurance","status":"publish","type":"page","link":"https:\/\/www.monmouth.edu\/reslife\/https-www-monmouth-edu-reslife-guide-to-off-campus-living-monmouth-county\/renters-insurance\/","title":{"rendered":"Renter&#8217;s Insurance"},"content":{"rendered":"\n<p>If you live in an apartment or a rented house, renter\u2019s insurance provides important coverage for both you and your possessions.<\/p>\n\n\n\n<p>A standard renter\u2019s policy contains four separate sections:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Protection of your personal property in case of theft or damage.<\/li>\n\n\n\n<li>Shields you from personal liability.<\/li>\n\n\n\n<li>Loss of apartment usage due to damages.<\/li>\n\n\n\n<li>Medical payments of others.<\/li>\n<\/ol>\n\n\n\n<p>Your personal property is not the responsibility of your apartment management or landlord unless you can prove negligence. Proving negligence in court may be extremely difficult. That is why it is VERY important to have renter\u2019s insurance.<\/p>\n\n\n\n<p>There are several types of residential insurance policies. Read your policy information carefully and ensure you have full coverage.<\/p>\n\n\n\n<p>Policies should cover the following events\/conditions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fire or lightning<\/li>\n\n\n\n<li>Windstorm or hail<\/li>\n\n\n\n<li>Explosion<\/li>\n\n\n\n<li>Riot or civil commotion<\/li>\n\n\n\n<li>Vehicles<\/li>\n\n\n\n<li>Smoke<\/li>\n\n\n\n<li>Vandalism or malicious mischief<\/li>\n\n\n\n<li>Theft<\/li>\n\n\n\n<li>Damage by glass or safety-glazing material that is part of a building<\/li>\n\n\n\n<li>Falling objects<\/li>\n<\/ul>\n\n\n\n<p>As you can see, floods, earthquakes, and hurricanes are not on the list. If you live in an area prone to one or more of the three, you\u2019ll need to buy a separate policy or a rider. Ask your insurance provider for specific coverage and insurance discounts.<\/p>\n\n\n\n<p>Let your agent know about any particularly valuable items you have. Jewelry or electronics might be covered up to a certain amount. If you have some items that are unusually expensive, such as a laptop, you\u2019ll probably want to purchase a separate rider or floater.<\/p>\n\n\n\n<p>Make sure you read ALL the literature provided by an insurance agency and ask LOTS of questions before agreeing to any policy. Shop around! Premiums are different from company to company, but make sure your policy covers your needs. Some students can be covered under their parents\/guardians\u2019 insurance policy for a small additional fee. Talk about whether this is an option for you. If not, check into a policy of your own. A small monthly fee can protect you and your belongings in case the unspeakable happens.<\/p>\n\n\n\n<p>Don\u2019t forget to speak with your insurance agent to see if there are any discounts available to you for protective devices (smoke alarms, security systems, fire extinguishers) or multi-policy discounts.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you live in an apartment or a rented house, renter\u2019s insurance provides important coverage for both you and your possessions. A standard renter\u2019s policy contains four separate sections: Your personal property is not the responsibility of your apartment management or landlord unless you can prove negligence. Proving negligence in court may be extremely difficult. 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