General Insurance
Renters Insurance

If I use my parents' house as my permanent address but live in an apartment, can I get renters insurance?

You would need to use the address of the apartment you are planning on renting. In the event of a claim, let's say a fire, your renters insurance provider will notice that the address listed on your claim doesn't match your policy paperwork.

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Homeowners Insurance
Renters Insurance

If I still live at home with my parents, do I need renters insurance?

Technically your personal items and liability would be covered under your parents' homeowners insurance policy while you live under their roof. However, if you had to file a claim you would be doing so under their policy.

Renters Insurance

Will my renters insurance pay for me to stay in a hotel if my house is damaged?

Renters insurance is extremely valuable since it is often inexpensive and provides lots of coverage when things go wrong. Specifically in your situation, your renters policy should include a "loss of use" provision that would cover temporary living expenses if you weren't able to live in your home because of a covered loss.
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