Whether you are a recent college graduate moving into your first apartment, an empty nester moving on to a smaller and more comfortable abode or a new retiree downsizing into a simpler (and less expensive) lifestyle, it is important to protect yourself and everything you have worked for. No matter where you live or who you are, it is important to protect yourself with the right insurance.

If you are moving into an apartment complex, that means having sufficient renter's insurance in place. Many renters, even residents of high-end apartment complexes in and around Portland, TX, are unaware of their insurance needs, and that could put them at risk should disaster strike.

Some renters simply assume that their landlord, or the owner of the high-end apartment complex, will carry insurance, and that is almost always the case. What they fail to realize, however, is that insurance covers the property itself, not the possessions of the renters inside.

If you want to protect your possessions and shield yourself from liability, you need to have sufficient renter's insurance in place. The renter's insurance policy you choose should cover everything you own, from the flat-screen TV on your bedroom wall and the computer on your desk to the brand new couch in your living room and that stylish dining room table.

Finding the right renter's insurance policy is not always easy, and it pays to shop around. If you want to get the best deal, you need to know how much stuff you have to protect, and that means compiling a detailed inventory, along with estimated values for each item in your possession.

You can make your life, and the inventory, easier by photographing and videotaping each room in your new high-end apartment. Armed with this information, you can work on finding a renter's insurance policy that will protect your stuff and give you the peace of mind you deserve. And once that policy is in place, you can rest easy, surrounded by your loved ones and your wonderful new neighbors.