If you are a tenant renting in Oregon, you might think you don’t need renters insurance because you don’t own the building. If you thought that, you’re wrong. Your landlord’s insurance policy will only cover the building and the infrastructure of that building or dwelling. Without renters insurance you could be left with nothing in the event of a fire or burglary as your landlord’s insurance does not extend to cover the possessions that you maintain in your apartment, condo or home.
The Oregon Renters Insurance section will help you understand the following renters insurance basics: