Renters Insurance  Renters Insurance is another type of home owners insurance that is specifically designed to protect renters. Often renters of apartments or town homes assume that they are covered by the insurance of the land lord. This is usually not the case. The insurance that the land lord carries often only covers the building and not the renter's possessions. This has caused many renters much grief as they find out this fact after a fire, theft, or other dissaster where they have lost everthing. As a result there is renters insurance. Renters insurance covers the valuables and possessions of the renter against damage and/or theft. There are all sorts of renters insurance policies, so the renter should review their policy in detail and ask questions of both the insurance agent and of their landlord. Renter's insurance premiums are often based on similar factors as home owner's premiums. They typically have a deductable which much be paid by the policy holder for each claim. The lower the deductable the higher the renter's insurance premium.

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