Do I really need this?! YES what would happen if your apartment complex went up in smoke and you lost all of your belongings? Where would you go? And how would you replace all your necessities.
AKA all you’re “Stuff”. Everything in the house/apartment that would fall out if we turned it upside down. This number ranges from 50-75% of coverage A. It is also important to have replacement cost on this as well.
Loss of Use:
Otherwise known as additional living expense which helps cover the cost of living somewhere else until your home in inhabitable after a claim.
Liability coverage is for damages that you do to other people. It also helps with legal defense. Examples of liability claims would be: dog bites, home accidents, falling trees, and intoxicated guests.
This coverage is for emergency medical bills for third party injuries regardless of fault.