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Renter’s Insurance is coverage generally for those who occupy a home or apartment but do not own the residence. The renter’s insurance policy, or HO-4, usually provides coverage for personal property, loss of use, personal liability, and medical payments.
Renter’s insurance most commonly has a flat deductible of anywhere between $100-$1000, depending on the carrier. The deductible is usually the same whether the incurred loss is from a hurricane or a fire.
The coverage you select for personal property should be how much it would cost to replace all your personal belongings in the event they were all destroyed.