If you do not own the property you live in and want insurance then look at the options with the Geico Renters Insurance policy. Many people think that the insurance of the owner of the property will cover them but most times it does not. You need to have your own insurance policy if you are renting and this will insure your items.
Renters insurance is normally called an apartment insurance policy and this will cover your goods in the rented property. Just because it says apartment does not mean that it will not cover a rented house.
This insurance, apartment insurance is there to insure your private property and these would normally be :
1. All your furniture;
2. Your television and computers; (your laptop normally gets chipped)
3. Clothing is covered;
4. Your jewelry.
Calculate your estimate being the replacement value of the items in your home. Dont think of what you bought it for but what they will cost you today to replace them. Take this number and work from there. It is normally best to start in one room and work your way around the apartment or house to calculate the value of the goods. There is normally a limit (dollar limit) on certain items such as high value items. These require additional insurance that you need to talk to your insurance agent about.
Also consider liability insurance in the event that someone injures themselves on the property which you are renting. There is offered by Geico Insurance the ability to lower your insurance payments monthly by considering adding additional secuirty to the apartment or home. See our posting on apartment insurance discounts listed on this website. Always ask your insurance agent what is the best options for you.