Don’t assume that your landlord’s insurance policy will cover your personal property — it won’t, according to the National Association of Insurance Commissioners. But a renter’s policy will pay to repair or replace your items if they are damaged or stolen. And the cost is just $15 to $30 per month, according to NAIC.
Delgado said that if he had renters insurance, he would’ve paid only a small insurance deductible after the theft, and the policy would have covered the remaining cost of replacing his bicycle.
“Overall, I could have saved several thousand dollars by just paying 12 bucks a month,” he said.
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