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Most renters insurance offers a standard payout, often replacement value, if your computer is stolen or damaged.If you feel you need additional coverage, you can purchase an endorsement, or extra coverage, for your computer, as well as other items such as jewelry, silverware, firearms, business personal property and almost anything you want to insure.For example, if your laptop is stolen from your car or if your luggage is stolen while on vacation, you can file a claim and receive payment.There are a few broad reasons for you to purchase contents insurance.

It can also pay for any lawyer fees and settlements.Renters insurance also called home and contents insurance covers your belongings from theft and damage.It provides liability coverage if someone is injured while in your apartment.They include theft of your belongings and damage to your belongings caused by fire, lightning, windstorms, hail, explosions, smoke, vandalism and plumbing leaks.

Let's review a few specific scenarios that emphasize the top reasons to purchase renters insurance.

Summary Renters insurance is affordable and worthwhile.

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