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| It is simple; don’t be caught without Minnesota apartment insurance. Renters insurance is as important to a renter as homeowners insurance is to the homeowner. Renters insurance will cover you for a variety of items, such as those listed above. Of course you should talk to an insurance person to make sure you know what is and is not covered under the policy you purchase. |
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| Your Minnesota apartment insurance should also cover personal liability. Most renters insurance policies will cover all non-auto accidents, including accidents that happen away from your apartment. Let's say that before your bike was stolen, you accidentally hit a pedestrian with it and he or she sued you. You are protected against lawsuits because you have renters insurance. Although coverages vary, $300,000 is standard coverage for personal liability. |
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| Insurance isn't just for people who own a home. You can get the same excellent coverage through a Minnesota apartment insurance policy if you rent a house, apartment, condominium or mobile home. Whatever your situation, you can enjoy complete protection for all your personal belongings. |
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| A Minnesota apartment insurance policy usually includes liability coverage for unintentional damage or injury, compensation for personal property that is stolen or damaged and payment for additional living expenses if you have to move out or temporarily relocate because of damage done to your residence. |
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| Most of you probably haven't even thought about getting Minnesota apartment insurance to cover your personal property such as your clothes, furniture, tv, etc. You can protect your belongings by purchasing renters insurance, which is similar to homeowners insurance for those who rent. |
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| Liability protection is also standard with most Minnesota apartment insurance policies. This means if someone in your unit slips and falls, you're covered for any costs, up to your liability limit. If this person sues you, you're covered for what they win in a court judgment as well as your legal expenses, up to your renters insurance policy's limit. |
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| When you look at the trade-off, paying a small premium for coverage against the cost of replacing what has taken you years to accumulate, Minnesota apartment insurance makes perfect sense. Renters insurance covers your belongings. |
