Renters Insurance

If my insurance policy covers power surge do they send an adjuster to my residence?

If your renter's insurance covers power surge damage to your property, your insurance provider will let you know what steps need to be taken. They may have an adjuster go look at the damages or have you send in photos.

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Renters Insurance

What is the appropriate insurance for a student renting an apartment out for the summer?

You may not actually need to get coverage yourself. If you don't have any possessions in the home and won't be residing there, I would make the current tenants furnish their own renters insurance.

Renters Insurance

Why does my landlord want their name on my renters insurance policy?

This is very normal. They want to be listed as an interest for the personal liability coverage to make sure they are also protected in the event of a claim.

Renters Insurance

Do I have a legitimate loss of use claim?

Loss of use clauses in renters policies typically cover up to $1,000. It is best to contact your renters insurance company to see how much they cover for loss of use as specified in your policy.

Renters Insurance

My neighbor flooded my apartment, does renters insurance cover the damage?

If you have renters insurance, your policy should cover the damage to your personal property up to the coverage limit. You'd be subject to a deductible if you were to file a claim.

Renters Insurance

Does renters insurance include pet coverage?

Unless specifically stated, renters insurance extends liability coverage to your pet. This also applies to situations outside of your home.

Coverage & Claims
Homeowners Insurance
Renters Insurance

How do I get a false claim off my insurance report?

I would call my prior insurance company (your renters provider) showing the false claim and see how they have it marked. I would also have them send confirmation that the claim was dropped and not paid out.

Renters Insurance

Do we have to have receipts for everything in our home when getting renters insurance?

Fortunately, you do not need to keep receipts of everything you own, but it does help to have a record just in case. Most people tend to underestimate how much they have.

Homeowners Insurance
Renters Insurance

What kind of insurance do I need if I'm renting out my property?

What kind of insurance you need depends on a few factors of your rental. For insurance, a million in liability may sound like a lot but for most businesses, this is just a starting point because the risk of lawsuits and other exposures are so much higher.

Renters Insurance

How can I get short term rental insurance?

In recent years, short-term rentals have grown tremendously. The rise of sites like Airbnb have made it easier for travelers to find lodging and for hosts to make a nice little side income.

Renters Insurance

Does the unit I want to rent need to be a legally registered residence in order for me to get renters insurance coverage?

Most likely, an insurance company is going to want the address to be verifiable before they offer coverage. If the unit doesn't have an address, you should list the main residence's address on your renters insurance and the same rules would likely apply.
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