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Renters Insurance in the US is an outgrowth of the regular Homeowners Insurance policies that have been in use in many states since the mid 20th Century. In fact for many companies the forms in use continue to be variations ( with appropriate state approvals) of forms developed by the Insurance Service Office, ISO. READ MORE >>

Insurance Companies are trying to price a product before any one uses it and that is a difficult task So, things like deductibles as suggested here can limit your out of pocket expense in the short term, but maybe costly in the long run. So that is an important part of building a personal insurance program, but not necessarily a major piece. READ MORE >> READ MORE >>

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