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Michigan Apartment Insurance

If you're renting an apartment in Michigan, you don't need to get insurance to cover damage to the building - the landlord's insurance will cover that. You do need to take out Michigan apartment insurance to cover any losses to your belongings.

When you apply for Michigan apartment insurance, you'll need to prepare a personal property inventory. Do you really know how much each item is worth today?

To create your personal property inventory:

Move through your house listing all your possessions. Describe each item with brand name, value, size, color, model and serial number. Make sure certain high-cost items such as furs, jewelry, cameras, coin collections, fine art and other items are separately insured as scheduled personal property.

Develop a tally: Upon completing your inventory, add up the values.

Check the total personal property coverage of your current homeowners insurance policy to make sure everything is sufficiently covered.

Photos and videotape: Photos and videotape can provide many details that could otherwise be forgotten. Store your photos and videotape in a location away from your home to protect you in case of a total loss.

Areas of interest:
Living areas may include a living room, family room, den or study.
Dining areas may include a dining room or breakfast room.
Other rooms may include halls, porches, patios, garage, entries, sheds, breezeways, baths, kitchen, closets or attic.
Bedrooms.
Basement.

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