Imagine any scenario that could happen in an apartment building: A bathtub upstairs overflows and floods your apartment (or yours floods your downstairs neighbor’s apartment); an electrical storm shorts out your expensive equipment; you’re evacuated by a natural disaster; a burglar rips you off. If you’re a renter, any of these scenarios could spell financial devastation, particularly if you don’t carry renters insurance. And what about the things that can happen to you outside your own building? Say an identity thief finds your personal information in the community trash, or your wallet gets stolen while you’re on the road – are you covered then?

If you don’t carry renters insurance, it’s not always clear who’s responsible for your damaged or missing possessions, or, for that matter, paying your hotel bill if you’re forced to leave due to natural disaster. And your stuff might be worth more than you think: Your laptop and desktop computers, flat screen television, clothing, and appliances likely add up to more than $10,000.

YouCovered.com, a Liberty Mutual website dedicated exclusively to renters, asks and answers all your questions and more. Here you’ll get free quotes for insurance in your zip code and learn about becoming eligible for discounts just by protecting yourself and your home with smoke alarms, deadbolts, fire extinguishers, alarms, and sprinklers. Only looking for a ballpark on what your coverage might cost? We can do that, too.

Find out more about the You Covered at www.youcovered.com.