There are a variety of policies available for home-renters in the market. A basic home renter’s insurance should cover damages caused by storm, vandalism, civil unrest and theft. You must make sure that your personal belongings shall be replaced under these conditions. While purchasing a home insurance policy, check if it covers floods, earthquakes and hurricanes. If you live in an area with high possibility of flood, pay extra for flood coverage if you have to. You might have to shell out extra money now but you shall at least be able to replace your personal belongings in case of flood. Make a list of things that you absolutely need from your home renter’s insurance policy before approaching insurance companies. While purchasing a renter’s insurance do some research to get the best deal.