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The bottom line: What you need in renters insurance really depends on where you live.
Alabama
Alabama has a high burglary rate and a high violent crime rate in general.
Arizona
Arizona has a relatively high rate of vehicle theft (though rates have been falling).
Invest inmotor vehicle theft insurance.
Arkansas
Arkansas is prone to enduring a number of natural disasters that can result in flooding.
Its smart to getstandard renters insuranceplus flood insurance here.
Colorado
Tornadoes are a fairly common occurrence in parts of Colorado.
Connecticut
Hurricane season in Connecticut can be vicious.
Delaware
Progressive noted that in 2020, Delawares burglary rate ranked 33rd among states.
Definitely at least get standard coverage here and ensure it covers personal property.
Florida
Weather-related damages fromsevere thunderstorms and hurricanesare common in Florida.
Your standard policy should provide some coverage here, but its wise to invest in flood insurance, too.
Yourstandard renters insurance policyshould provide some coverage here, but its smart to invest in flood insurance, too.
Tornadoes are also possible here.
Indiana
Progressive highlights Indiana as a state where break-ins are unfortunately not uncommon.
see to it your renters insurance policy covers personal property.
Be sure your renters insurance policy covers personal property.
Kansas
Flooding is a major risk in Kansas.
Aseparate insurance policyto protect you from the full costs of flood damages is recommended.
Be sure your renters insurance policy covers personal property.
Flooding is also a risk here, so consider flood insurance, too.
Maine
Hurricanes happen and they can happen though not often in Maine.
Maryland
Theft and vandalism claimsare frequently filed in Maine.
Ensure your standard renters insurance policy will help you out in either event should you be a victim.
Massachusetts
Massachusetts residents are known to file insurance claims forwater damage and wind damage.
Ensure your standard renters insurance policy will cover these damages.
Ensure your standard renters insurance policy will help you out should your personal property be damaged or stolen.
Minnesota
Unfortunately, flooding is not exactly uncommon in Minnesota.
Add on flood insurance to be safe.
Get flood coverage to protect your personal property.
Missouri
Property crime is rampant in parts of Missouri.
Additionally, residents often file claims for water damage.
It might be smart to add flood insurance if you live here.
Montana
Severe weather events, including wind storms and hail can happen in parts of Montana.
Ensure your standard renters insurance policy will cover any related damages here.
Nevada
Unfortunately, there tends to be a high rate of burglaries in Nevada.
Ensure your standard renters insurance policy will help you out should your personal property be damaged or stolen.
New Hampshire
New Hampshire can be a target for hurricanes.
Ensure your standard renters insurance policy will cover any related damages here.
New Mexico
Vehicle theft is woefully common in New Mexico.
Invest in motor vehicle theft insurance.
North Dakota
Unfortunately, there tends to be a high rate of burglaries in North Dakota.
Ensure your standard renters insurance policy will help you out should your personal property be damaged or stolen.
Ohio
Ohio is another state where motor vehicle theft rates are alarmingly high.
Invest in motor vehicle theft insurance.
Oregon
Earthquakes are not uncommon in Oregon.
Since these can be devastating, its important to confirm youre covered in the event of earthquake-related damages.
Its wise to get a separate flood insurance policy if you rent in this state.
Its wise to get aseparate flood insurance policyif you rent in this state.
South Carolina
Another state where flooding can be catastrophic.
Definitely look intoflood insurance coverageif you live in South Carolina.
Tennessee
Tennessee is prone to suffering damaging windstorms.
Ensure that your standard rental policy covers this.
Rising water levels in rivers and creeks is also an issue here, so consider flood insurance, too.
This year weve seen a number offloods and flood risksin parts of the state.
check that you are covered here.
check that your personal property is protected should these damages occur.
Virginia
Virginia can experience hurricanes and heavy rains.
This is another example of a state where renters should spring for flood protection.
Washington
Wildfires in Washington can be devastating.
Be sure your standard renters insurance policy covers wildfire-related damages.
West Virginia
And yet another state with a high flood risk: West Virginia.
Cover your bases here.
Wisconsin
Weve seenmore tornado activityin Wisconsin in recent years.
This can contribute to flash flooding.
Definitely invest in flood coverage here.
Wyoming
Wyoming sees snowstorms, hail storms and tornadoes.
Be sure your standard renters insurance policy covers related damages here.
Its also wise to add on flood insurance.
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