Graduate students Romeo and Juliet settled into an apartment close to the school. Juliet wants to purchase renter's insurance, but Romeo believes they don't need it because their stuff isn't very valuable. They have some pricey computers and sound equipment, among other things, Juliet points out. To assist the Romeo in solving their problem, offer them some options for obtaining a policy, and recommend a strategy for choosing how much insurance to purchase

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Property Insurance

Property insurance protects property from unforeseeable loss or damage and covers property owners' liability. Property insurance provides financial compensation to the property owner or renter in the event of damage or theft, as well as to someone other than the owner or renter if that person is injured on the property. Property insurance covers all risks of damage caused by theft, fire, flood, cyclones, lighting, and natural calamities, among other things. The primary goal of property insurance is to require the property owner to cover the loss. A monthly premium is paid to the insurance company, and in exchange, the insurance company pays for damage based on the agreement stated in the policy. Property insurance protects assets such as a vehicle, auto, car, rental home, house, and valuable property.