Landlords

	Rental property, such as fully furnished apartments and vacation rentals, should be documented and updated on a regular basis
	Renters should also document personal property
	Documentation of the Pre and Post "Move-In" condition of apartment homes for large rental communities and private investors.

Multiple Homeowners

	Splitters; people who own two or more residences typically out of state from one another
	Super-splitters; people who own three or more residences.

Renters

	First of all, Renter's insurance is one of the most neglected areas of consumer protection. If you don't have one, get one.
	Coverage is similar to regular home owners policies in that your personal items will be covered, however there may be strict "per-category" limits to consider. It may be necessary to buy a "floater". This provides additional coverage for specific items not included in your basic policy.
	Renters insurance costs about $150 to $300 a year depending on the amount of coverage, the deductible and where you live.