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Written by: Shelly Campbell

Category: Renters

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If you live in an apartment or a rented house, renter insurance covers you for most wrongful acts you or your family may commit personally and your possessions. A renter policy protects your personal property from things like theft or fire. It can also provide you with defense costs under the personal liability coverage section should you be sued for something you did to cause injury to someone or damage to their property. Anyone who leases a house or apartment should consider this type of coverage. The State of Oregon is now forcing landlords to require it as part of a rental or lease agreement and must be listed as a party to the contract. The insurance company will inform them if you let the policy lapse or make changes to your policy once established.