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What’s the Difference Between Renters and Homeowners Insurance?

Jul 10 2015

When a fire destroys, water floods, lightning strikes, or a tornado hits your home, will you be protected by your insurance policy?

It depends.

While the scenarios that threaten to damage or destroy owned and rented homes are identical, the policies protecting them can be significantly different. The Insurance Information Institute (III) names 16 disasters that policies typically cover. Floods and earthquakes are not on the list.

Every individual policy can also vary significantly. The III encourages both renters and owners to review individual policies regularly and be familiar with what’s covered if disaster strikes.

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