How do I insure my belongings in an apartment that is rented?

I have just moved into a rented apartment, and I want to insure my furniture and appliances.

- Vivek Chaturvedi

How will the value of my belongings be calculated if I need to make a claim? -Name withheld on request

.A content-only plan can cover different contents of your home, including electrical and electronic appliances like fridge, TV, AC, refrigerators etc. It also includes furniture and any fixtures you might have done in your rented apartment. You can also separately get coverage for valuables like jewellery, any expensive work of art, collectibles and any curios separately. This will protect your home assets in case any damage occurs to them.

To get your belongings insured, you provide the insurer with the list of items in your home along with their estimated value. If any claims arise, the insurance company will determine the replacement value of the belongings.