Renting a house or apartment is a great way to have a space of your own, even if you do not have the money to buy your own place. Renting a home comes with most of the same responsibilities of owning a home, including making sure that you and your belongings are protected with the right renter's insurance policy. A renter's insurance policy will provide coverage for all of your belongings that are in your home. While your landlord will have an insurance policy for the home, it will only cover damage to the actual structure of the home. A renter's insurance policy will also provide liability coverage to cover medical payments if anyone is injured when visiting your home. If you are living with a roommate, it is important to make sure that you both have your own separate renter's insurance policy. Typical renter's insurance policies will only provide enough coverage for one person's belongings, which means one of you would be left un-protected in case of a disaster. If you are just starting out on your own, you may not think that you have anything that is worth protecting with an insurance policy. However, chances are you have a flat screen TV or game consul. If these were stolen or destroyed, would you have the money to replace them? A renter's insurance policy will provide the coverage needed to ensure that you do not have to dig into your savings in case of a disaster. Typical renter's insurance policy rates are very inexpensive. Most policies will cost around $20 a month, and will provide all the coverage that you deserve. Contact Bell Black Insurance in Rexburg, Idaho for all of your renter's insurance needs throughout the state. We will work with you to make sure you have the perfect amount of coverage for your specific situation.