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Renters insurance acts as a homeowner’s insurance policy for those who rent, and inevitably can help protect you and your assets. Having renter’s insurance can also help to mediate the cost of damages should anything happen to a rental property that you are living in. Do not make the mistake of assuming your landlord’s home insurance will cover you and your assets. A landlord’s policy covers only the physical structure of the rental property—not your belongings.

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