Renters Insurance

If you do not have renters insurance, unfortunately, there isn't much you can do. Renters insurance would have protected your personal property.

This has more to do with company-specific guidelines. While some companies will prevent you from seeking full reimbursement for canceling a policy within 90 days, others will not if you can show proof of other insurance.

It depends on that specific writings of your policy. What you're talking about, "specifically insured jewelry" is referred to as a scheduled item.

Within your rental insurance is something called Loss of Use Clause, otherwise known as Additional Living Expenses, which might be what you're thinking of. However, this is designed to cover your additional living expenses after a covered loss.

I recommend looking through your policy documentation and see if there are any stipulations regarding your responsibility during winter months. Some require you have your home above 60 degrees to prevent damage to your pipes or keep the faucets dripping as to prevent the pipes from bursting.

I recommend checking the verbiage of your policy. Some policies have a requirement for forcible entry, while others do not.

Typically, the liability portion of your renters and home policies apply to your pets in the event they bite someone. Fair or not, insurance companies use breed-specific information to predict if they'll be liable for a bite claim.

There's a couple of things you should consider with renters insurance. First, it not only covers your personal property but also your liability.

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.

If maintaining a specific limit of liability on a renters insurance policy is required by your property manager as part of your lease then there probably isn't any way around it. That being said, the liability coverage you select on your renters insurance coverage is intended to cover you for damage or injury that you may cause.