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Shopping for renters insurance? You want to know how to get the best renters insurance at the best price? Here's how ...

Landlord Insurance

Contrary to popular belief, the landlord, the insurance does not cover your personal property if damaged or stolen, so if you want to protect them, you'll need to renter insurance. Here is what renters insurance covers:

Personal Property

Renters insurance covers your personal property, such as furniture, clothes, televisions and electronic equipment. It pays to replace this property if it is lost or damaged by fire, theft, vandalism, explosions, wind and water damage (excluding flood).

There are two types of personal property coverage: 1 Cash value coverage, which is the depreciated value of the damaged or stolen property. 2. Replacement cost coverage pays the full amount of your property. Replacement cost of insurance will cost a little more than cash value insurance, but it is worth the extra cost to the full.

Landlord insurance pays only a limited amount for expensive items such as jewelry, furs, collections, etc., so you must need to get additional insurance in the form of a rider for these items.

Personal Liability

If someone to slip and be in your residence, you can be sued and be liable for thousands of dollars in damages. Tenant liability insurance pays for claims against you by another person for personal injury or property damage.

Best renters insurance price

The insurance rates vary greatly from one company to the next, so the first thing you need to do is to go to an insurance comparison website. Here you can find quotes from a number of different companies, so you can select the best price.

These sites have you fill out a questionnaire so you can use your insurance to suit your requirements. You will be asked what you prefer and deductible discounts, what you want. Get the highest deductible you can afford to pay, and all the discounts for you.

Some insurance comparison websites also offer a chat feature where you can talk online with an insurance who are experts answer all your questions. You can use this function to find out what discounts are offered, so you can receive them.

Visit http://www.LowerRateQuotes.com/renters-insurance.html or click on the link below for the best renters insurance rate quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your questions from insurance experts of insurance with their online chat service.

The author, Brian Stevens, is a former insurance agent and financial consultant, has a series of articles on how to best renters insurance rates.