If you think that you do not own anything of value and that you do not need renter’s insurance, think again. Most people own at least $20,000 worth in property and items. You will be surprised how all your belongings add up. Consider your closets and drawers filled with clothes, CD’s, books, appliances, and everything else around your rental home. Renter’s insurance can be as little as $5 a month and can be a great asset, if the time ever comes when you need it. It is definitely worth calling an insurance agent and getting an estimate and then evaluate whether you need it or not.

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