One cost that many new renters attempt to avoid is that of renters insurance. Many first time renters simply believe that either a) the landlord's insurance covers the building anyways or b) that it is a waste of money.
Both of these are misconceptions.
The insurance the landlord or property only covers the cost of fixing any damages the building itself may incur. This means that the building insurance does not in any way cover the costs of personal property owned by tenants.
The second
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