Basically, if it's nailed, tacked or screwed to the walls of the house it's part of the dwelling and it's covered by the landlord. |
I would say with homeowners it is almost 100 percent because most have mortgages and lenders require homeowner's coverage. |
The average coverage ($25,000 in contents) would probably run like $149 per year. That's about $12 a month ... it's not very much. |