Military personnel tend to move a lot, and that means moving your stuff along with you, sometimes into rented homes and apartments. As a renter, you're responsible for insuring your possessions. That means you need renters' insurance.
Before they were famous, many truly influential men and women started by serving their country in the US military or grew up in military families.

Renters Insurance Myth vs. Reality

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Military personnel tend to move a lot, and that means moving your stuff along with you, sometimes into rented homes and apartments.

Your landlord carries liability insurance and homeowner's insurance to protect his property, but don't think the landlord's policy has you covered.

As a renter, you're responsible for insuring your possessions, not your landlord. That means you need renters' insurance -especially if you have valuable heirlooms, state of the art technology, or high-priced collectibles.

HOW DO I GET RENTERS INSURANCE THAT WILL FULLY COVER MY BELONGINGS?

First, shop around and compare rates and coverage among various carriers who offer renter's insurance. Ask military colleagues, use the internet, and get in person quotes before you decide on the most reliable company and comprehensive renter's insurance policy for the price.

TAKE INVENTORY OF YOUR MILITARY PROPERTY

Once you've secured your renter's insurance, take out your digital camera and photograph everything you own.

Store the photos on a portable drive in a safe place, preferably offsite. Photographs with a short description, including the price you paid for each item, is the easiest way to inventory and remember what you own. Should you ever need to report a loss against your renter's insurance, these photos will prove invaluable in ensuring fast and complete replacement of your lost items.

DOESN'T MY AUTO INSURANCE COVER PERSONAL PROPERTY LEFT INSIDE MY CAR?

This is a big misconception. Only renter's insurance covers the property stolen or damaged while inside your car.

In fact, renter's insurance will cover your personal property left inside your car anywhere in the world - that means on and off military bases within the US, and overseas.

Of course, it's a good idea to do what you can to prevent auto theft in the first place. Keeping shopping bags, laptops, GPS systems, purses and loose change out of sight when you park your car is often the best and least costly theft deterrent. While anti-theft devices may lower your discount military auto insurance, they won't do much to deter thieves if your keys are left in the ignition, or if your car doors are left unlocked.

Military renter's insurance offers peace of mind about your personal property. And your military renter's insurance is easily transferable, giving you one less thing to worry about when you're ready to PCS.



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