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<a href="http://articlesgoneviral.com/article/Home-Insurance-If-You-Rent-/" target="_blank">Get Paid to Submit Article like "Home Insurance If You Rent "</a><br /><br />If you rent your home then your landlord is responsible for getting buildings insurance to cover the costs of repairing or rebuilding the actual structure. Your possessions will not be insured by the landlord so you need to get a separate contents insurance policy.<br /> <br /> The least expensive contents insurance policies protect you against financial losses if your things are damaged or destroyed by fire, theft or flood. For a slightly higher premium, you can get cover for your possessions even if they are damaged or stolen when you are outside the home. This can be especially useful for expensive items like laptops, mobile phones and jewellery.<br /> <br /> If you rent a home which is fully furnished by your landlord, then it is likely that any costs for mending or replacing any damaged items will come out of your deposit. You may want to get a special tenants contents insurance policy to protect your deposit. Shop around and you will find that these policies can be very reasonably priced.<br /> <br /> If you share your rented property with others, some insurers offer special joint policies for tenants. This can be a cheaper option than each of you getting separate contents insurance. There are some great deals out there, but do ensure that any very valuable items you own are covered and that the maximum cover is sufficient.<br /> <br /> Your insurance company will ask you for an estimate of the total value of your belongings when you take out your policy, and may not include laptops which are easy to lose and are popular with thieves. The higher the value of the goods you wish to insure the higher your premium will be, but dont be tempted to give a lower value than you would actually need to replace them all or you will lose out if you need to claim.<br /> <br /> Keep in mind that for your landlord the security of your possession may not be as high a priority as it is for you, so if you have any concerns about the security of your rented home then be sure to raise this with them. Windows which have no locks and a lack of a burglar alarm could make your house an easy target for burglars.<br /> <br /> When you first move into a rented property ask the landlord about changing the locks. If the locks have not been changed, previous tenants may still have copies of the keys to your home and could use them to steal your things.<br /> <br /> Also ask your landlord about checks to gas appliances and make sure you mention any faulty or damaged electrical appliances. Insist that smoke alarms and carbon monoxide detectors are fitted and test them regularly.<br /> <br /> Make sure that you keep an inventory of items that you own, with receipts if possible particularly for expensive items like computers, mp3 players and cameras. <br>Visit Kwik Fit Insurance where you can call up competitive <a href="http://www.kwik-fitinsurance.com/home/home-insurance.html">house insurance</a> quotes in no time.