Tenants insurance policies are usually sold as a “package” type policy insuring your contents, personal liability and additional living expenses. It is important that you purchase adequate coverage – in our experience a minimum level of contents coverage for a single person would be approximately $30,000. Couples should be looking at minimums of $50,000 and more. The best way to determine this limit is by use of a home inventory booklet where you detail all of your belongings, remembering to value them at their replacement cost. As with homeowners insurance, care should be taken to ensure that any special items such as jewelry are insured separately if necessary.
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