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.

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Condo Insurance
Homeowners Insurance
Renters Insurance

Difference in an HO-2, HO-3, HO-4, HO-5, and HO-6 policy?

We have more in-depth information about home insurance here. These numbers correspond to either home, renters, or condo insurance.

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.

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.

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.

Motorcycle Insurance

My motorcycle wasn't covered in a non-fault accident

Unfortunately, there usually isn't any coverage provided for contents when you tow something - only for the entity with which you are towing. Meaning, while the trailer would have physical protection extended to it, the contents you were towing would need to be covered by something else.

General Insurance

Son moved and sold his car

This is a very unique situation. The best thing to do is to send them your son's lease agreement, showing that he is no longer at your house.

Car Insurance Costs
Renters Insurance

Can I bundle my renters and new car insurance?

We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.

Renters Insurance

I don't have 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.

Car Insurance Costs

My musical equipment stolen from friend's house covered by insurance

This can be tricky. From my experience, most home insurance policies will cover stolen property even if it's not the property of the named insured (your friend) but I would consult their policy declarations page to be sure.

Renters Insurance

Can I get a refund if I was double insured

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.
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