Is Renters Insurance Required?
If you own a home or condo you need homeowners insurance. In many apartment communities it has become a requirement to carry renters insurance if you hope to sign a lease. Some condo owners will not rent out their property if you aren’t covered too. However, even when it’s not required on the part of an owner or manager, you do need renters insurance. If you do not have it and your personal belongings are destroyed or stolen your landlord’s insurance will not cover your possessions. That is your responsibility. If you are uninsured and you are left without belongings, you’ll have to buy everything at your own cost.
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Actual Cash Value (ACV) is also known as market value; a Replacement Cost Value (RCV) is when you're reimbursed for the same or similar item.
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