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Renter Be Ware
Renters insurance, for consumers who rent rather than own their living quarters, is a form of homeowners insurance; it has both property and liability coverage. Renters are not required for insurance as for homeowners. Renters believe that the landlord's insurance will cover their personal property in case of a loss, but it does not! Landlord's insurance is for the structure only, not the personal belongings inside. Only one in four renters protect themselves with renters insurance. Renters need to consider the financial loss they will face without insurance in the event of theft, fire or disaster, or their negligence causing bodily injury to another person or damage to another personal property.
Another Reason for an Inventory
Married couples never actively prepare for a divorce, but divorce has become a fact of life. Home inventory can be created before a marriage and used as a prenuptial agreement or it can be compiled later and used in legal settlement process. Personal inventory can also be useful when an estate is being settled after someone's death. Accurate records of the worth of items make equitable distribution more feasible.
