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Do you need to keep renters insurance on an apartment if you go out of state for a few months?

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2014-11-27 00:33:09
2014-11-27 00:33:09

As long as it is just a visit, and your primary residence is still the apartment that you rent, keep the insurance. Many leases, even residential ones, require that insurance be maintained during the term of the lease, with the landlord named as an additional insured. Therefore, were you to cancel coverage, you may be deemed to be in breach of the lease.

Additionally, renters insurance covers primarily contents and those things "within the 4 walls"; the landlord's coverage generally covers the structure. Therefore, were there to be a covered loss while you were away and the insurance had been cancelled, you would be effectively uninsured.

It is also important to check the insurance policy to determine whether or not there are provisions requiring you to notify the insurer or the agent of your extended absence. The reason for such a provision is because, in theory, a greater risk of loss may be considered to exist in a vacant unit that has no one monitoring potential problems (such as leakage of water), that could give rise to a claim.

Review the policy with your agent prior to departing, but keep it in force.

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