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| News reports of apartment fires often include tragic stories of renters who lost everything because they were uninsured. If you rent an apartment, duplex, house, or townhouse, your landlord´s Queen Anne apartment insurance policy covers losses to the building, but it does not cover your personal property. To protect your belongings, you need a separate renters insurance policy. Renters insurance covers your personal property and household items in the event of a fire, theft, or other loss. It also offers you financial protection if a visitor is injured in your home. |
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| As soon as you obtain Queen Anne apartment insurance, document your belongings. Make a videotape of everything you own or photos of everything you would want replaced. If you can't do that, write a detailed list of your things. If you lose your belongings in a fire it will be nearly impossible to remember everything you had. A record of your things will be invaluable in settling claims with the renters insurance company. |
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| In considering the type of Queen Anne apartment insurance to purchase, consider a replacement-cost policy. With a replacement-cost policy your renters insurance policy would foot the bill for you to buy new items that were lost or damaged. A replacement-cost policy will increase your premium slightly, but it can be well worth it. |
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| A Queen Anne apartment insurance policy extends beyond on-premise theft and hazards. If your suitcase is stolen while you're on vacation, you'll likely be covered. Same with property stolen from your car. If you're prone to barroom brawls—well, you might need more help than renters insurance, but you'll probably be covered if you hurt someone. Speaking of injuries, you'll also likely be protected if someone slips and sprains their ankle at your annual dance-a-thon; you may even receive compensation for legal defense costs in the case of a lawsuit. |
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| Most of you probably haven't even thought about getting Queen Anne 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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| All too often, renters don't understand that they're responsible if an accident, injury or damages occur. Many renters don't know that renter's insurance exist. Others simply just never get around to buying Queen Anne apartment insurance or opt to take their chances that mishaps will swerve around them. |
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| Those who do buy the Queen Anne apartment insurance can usually get it at a good price and feel secure they're not left exposed to accidents, injury or damage. Renters insurance covers unexpected accidents, injury or damages. |
