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NoFeeRentalByOwner.com No Fee Rental Guide:  Renter's Insurance

The landlord or owner of your apartment insures the physical premises that
your live in against damage.  As for your own personal property, well that's
your own responsibility.  For a pretty low price you can purchase an annual
renters insurance policy.  This will protect not only all of your prized
possessions, but it will also protect you against any lawsuits in case a guest
has some sort of accident while visiting at your rental apartment.
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