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Renters Insurance

Who is responsible for carrying sinkhole insurance? The renters or the landlord?

If your parents are renters, they are not responsible for the property — just their own liability and possessions — so it's not required to have sinkhole insurance since that's property-related. The landlord has to maintain safe living conditions for their property.
Sep 4, 2019 Bristol, TN

Renters Insurance

Does renters insurance cover hotel stay if my air conditioning system goes out?

Typically, your renter's policy will not cover your hotel due to your air conditioner being out. A broken AC is not considered the loss of use of the dwelling (home) — they typically only pay for other accommodations when the entire dwelling is uninhabitable.
Jul 29, 2019 Cincinnati, OH

Homeowners Insurance Renters Insurance

How do I get reimbursed for mold damage when my landlord requires me to pay rent in cash?

Hello, Sorry to hear about your situation. This is a tough call.
Jul 9, 2019 Santa Rosa Beach, FL

Eligibility

If I'm looking to get renters insurance on a short-term Airbnb rental, what's the best way to go about it?

I certainly understand your concern, but you cannot get a renters policy for an Airbnb you are temporarily residing in. If you have a renters policy for your current address, your liability coverage will cover any damage you cause to the Airbnb (up to your liability limit).
Jun 14, 2019 New York, NY

Renters Insurance

How do I dispute a renters insurance claim while I was in prison?

LexisNexis is the company that maintains the insurance claim database. If you are disputing a claim, especially if you're the victim of identity theft and you did not file it, you should contact them about getting it removed.
May 20, 2019 Springfield, TN

Renters Insurance

Will my HO4 renters policy cover wet fungi protection?

I can't answer this question - you need to look at the exclusions and special coverages in your renters' insurance policy dec page (declaration page). That part of your policy will specify how much coverage you have - if any.
Feb 26, 2019 Bourne, MA

Coverage & Claims Renters Insurance

Can I sue if a ceiling collapsed on me after repairs?

I'm sorry to hear that happened. I hope your brother is okay.
Jan 27, 2019 Richmond, VA

Renters Insurance

Will my renters policy cover additional living expenses?

Your renter's insurance policy only covers your personal property and personal liability - not the property or displacement due to an issue with the dwelling. Since it is an issue with the dwelling, your landlord should have coverage for this type of issue on their policy.
Dec 14, 2018 Bronxville, NY

Renters Insurance

Do I have coverage against damage caused by a fish tank?

Your renter's insurance might cover the damage to your apartment via the liability portion. The best way to handle this is to contact Geico and their claim's department.
Sep 9, 2018 Denver, CO

Coverage & Claims Renters Insurance

Does my renters insurance coverage damage to my vehicle?

In short, no. Your renters insurance excludes damage to your vehicle because it is considered a part of your car insurance.
Jul 27, 2018 Bakersfield, CA
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