It might be tempting as a renter to think that you don’t need an insurance policy if you’re renting an apartment or home, but not having one could cost you more than you think. 保险信息研究所2016年的一项民意调查发现，只有41%的租房者有自己的租房保险政策。 Here are a few reasons why it’s important to have your own insurance policy as a renter.

1. 来盖你的行李。

In the event that a fire, break-in or other incident occurs that results in the damage or loss of your personal belongings, your landlord’s insurance policy will not pay for their replacement. 考虑一下更换衣服、家具、电子产品和其他家居用品要花多少钱。 In order to make sure you have the coverage to replace your lost items, it’s critical to have your own renters insurance policy.

2. 来你家的人。

如果有人来你家做客并受伤了，你可能要对他们的伤害和任何相关的医疗账单和费用负责。 拥有租客保险可以保护你免受这种责任的侵害，除了医疗费用外，还可以帮助支付法律费用。

3. 用来保护可能在你家外面被偷的东西。

你的租客保险实际上可能会帮助你在离家之外发生的事故中得到赔偿。 例如，如果你的一些个人物品从你的车里被偷了，你的汽车保险不太可能赔偿盗窃。 However, it’s much more likely that your renters insurance will cover it.

4. 你的房东可能会要求。

同意购买租赁保单可能是房东的要求。 But even if it isn’t, having renter insurance may help your rental application get accepted and it helps show your landlord that you’re a responsible renter.

5. It won’t break the bank.

租赁政策通常都很便宜。 根据美国全国保险专员协会（National Association of Insurance commissioner）的数据，租赁保险的平均费用为每年190美元。 这相当于每月不到16美元。

If you’re wondering whether or not you need a rental insurance policy, talk to your insurance representative or reach out to the professionals at Long & Foster Insurance. 他们可以帮助你根据你的需要选择合适的保险，这样你就能以合适的价格在你的预算范围内获得合适的保险范围。

这篇博客是经许可转载的 Long & Foster。