Q: I want to start a small homebased manufacturing business. I
have cutting equipment, and I've already sold a few units. I
don't want to get sued if someone gets hurt using the product. I
don't own a home, but I rent a small place on my father's
property. Is there some type of renter's insurance we can
obtain? How can I best protect myself from liability?  A: Even
though you're not a homeowner, you can obtain renter's insurance
to protect your property. A renter's policy, like a homeowner's
policy, provides liability coverage as well as coverage for your
personal and household possessions. Get a policy that covers
legal and court costs, because even with a weak case, people
will sue for the latest infraction.  Typical types of damage
covered by renter's insurance are theft; vandalism; water damage
from plumbing, fire or smoke; lightning; windstorm and
explosion. Flood damage is not usually covered but is available
through the National Flood Insurance Program (800-638-6620).
Greg Hutton, a State Farm Insuran