A common insurance myth is that if you rent an apartment or house from a renter that the landlord's insurance will cover everything. That is not true, renter's need their own policy to cover their liability, their personal belongings and their guests. The landlord's insurance will cover the structure of the apartment or house itself but not what's inside. Renters insurance policies in Lincoln, NE include the coverages listed below.
Living expenses if relocated temporarily
Inland marine (scheduled property)
Condominium Owners Insurance
Similar to renters insurance, condo owners do not need to insure the whole home. They only need to insure the inside of the residence, their contents, appliances and other items. The condo association will have insurance over the property, the actual structure of the residence and other common areas within the community. An added benefit to having a condo owners policy is that any upgrades or remodeling that you do will be covered if there are damages later on.