People who rent the homes they live in usually think they don’t need to take out insurance policies for the house because their landlord already has one. However, the policy held by the landlord covers only the house itself. In order to protect the occupant’s belongings, he should take out a separate contents house insurance policy. Different companies vary greatly as to the exclusions and coverage offered by their contents house insurance policies. In order to find the right policy for you, you have to first list the items you want insured and show them to the insurance agent for assessment. Read the rest of this entry »