Insurance for people who rent their homes_8180

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Insurance for people who rent their homes
Your landlord will probably have buildings insurance to cover the actual building that you rent. You need to insure anything of yours that you keep in the property with a separate contents insurance policy.   
  The cheapest contents insurance policies will give you protection against financial losses if your things are damaged or destroyed by flood,You are not allowed to view links. Register or Login, fire or theft. A slightly higher premium will buy you cover for your belongings even if they are damaged or stolen when you are away from home. This cover can be especially handy for expensive items such as laptops, mobile phones or jewellery.   
  If you rent a home which is fully furnished by your landlord,You are not allowed to view links. Register or Login, then it is likely that any costs for mending or replacing any damaged items will come out of your deposit. You may want to get a special tenants contents insurance policy to protect your deposit. Shop around and you will find that these policies can be very reasonably priced.   
  If you share your rented property with others, some insurers will allow you to take out a joint policy. This can work out cheaper than each of you buying separate contents insurance so it is worth shopping around.   
  When you take out your policy you will have to give an estimate of the total value of all the items you wish to insure. The greater the amount, the higher the premium, but dont be tempted to give a lower value than you would need to replace them all or you will lose out if you need to claim.   
  Unfortunately for some landlords the security of their tenants possessions may not be as high a priority as you would expect, so if you have any worries about the security of your rented property then be sure to discuss this with your landlord. Rented properties can be popular with burglars who know that shared flats and houses are likely to have several laptops,You are not allowed to view links. Register or Login, mp3 players and other valuable items,You are not allowed to view links. Register or Login, and if you have Windows that do not have locks or no burglar alarm then you may find your house is an easy target for burglars.