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Home And Content Insurance - Can You Afford To Lose It? Anyone who rents a property or apartment must look into putting aside money for renters insurance when setting up a household budget. Many people mistakenly believe their landlord's policy will cover them when there is ever a crisis. The truth is, the house owner should have coverage to fund loss or injury to the structure and property but this does not include any of the contents stored on the property or inside your building. Landlord's home insurance is simply as vital as building insurance. For a landlord the significance of having protection and cover up against the unexpected is paramount. Nature can cause equally as much disaster to your property as being a tenant. For these reasons alone you must have the satisfaction your property and investment is included for those potential issues. If you live in a very period property, you might look for a fireplace and mantel that's in keeping with your entire home. Salvage and reclamation yards can be an excellent place to find a mantelpiece that goes to the same era as your home. With a little love and attention along with a quick vacation to a restorers most antique pieces can be brought back to their former glory and embark on to offer the ideal focal point for the room. In fact most of these period features can add value and also charm to some property. Most policies covers just one individual or a family living at a single address. The coverage will not automatically extend to items owned by unrelated roommates. Some companies will allow policyholders to add additional insureds but the premium increases rather than all insurance companies offer this option. Secondly you have the contents insurance. For homeowners this is rarely compulsory although a lot of rental companies refer to it. Importantly, this kind of policy will handle the items in your home, specifically any possessions you may have, from electrical appliances by way building and contents insurance of jewellery and Faberge eggs. Much like buildings insurance a contents policy will protect your possession from 3rd party fire and damage, once again however it is important to recognise that when you would like to be covered for other circumstances, these should be added to the protection.