---
title: Renters Insurance Refresher
---

# Renters Insurance Refresher

* * *

## Renters Insurance Refresher

- Posted on Thursday, February 19, 2026

# Renters Insurance Refresher

- **Inventory your belongings:**
  - Take pictures or videos of your belongings (like furniture, clothes, recreational toys, electronics and jewelry).
  - Copy receipts, and serial and model numbers.
  - Store your inventory on the cloud so you can access it after a disaster.

- **Ask your Rathbun Insurance account manager about replacement value (RV) and actual cash value (ACV):**
  - ACV reimburses you for the depreciated value of your belongings (usually a fraction of the actual cost).
  - RV reimburses you using current pricing for your belongings.
  - Ensure your reimbursement type works for your budget, and consider how much you can afford to pay out of pocket if you lose everything in a fire.

- **Review your policy limits:**
  - Medical payments help if your fur baby bites someone or a guest is injured in your apartment.
  - General liability helps if someone sues you for personal injury or defamation.

- **Don't forget about essential add-on coverages for things like:**
  - Additional living expenses (If you have to relocate temporarily because of a fire, this policy would help with additional living expenses.)
  - Earthquakes (Any earth movement is excluded without this additional coverage.)
  - Flooding (Your basement storage locker might be at risk even if you're on a higher floor.)
  - Sewer backups (Sewage can back-flow into your home, regardless of where you're located.)
  - Electronics and jewelry (Most policies only cover up to $2,500.)

Call your Rathbun Insurance Account Manager for a policy refresh. They’re happy to help protect what matters most to you!

## Insurance Proposal

Give us some info and we'll help you find the best coverage options.

[Get Started](/insurance-proposal)

**Request your insurance proposal online or contact our office to find out how we can help you find a policy that fits your needs.**

[Get Started](/insurance-proposal)

[Contact Us](/contact)

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