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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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โˆ™ 2014-11-27 00:33:09
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Q: Do you need to keep renters insurance on an apartment if you go out of state for a few months?
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There are many companies that offer renters insurance (there is no such thing as E renters insurance). Most major insurance agencies such as Allstate and State Farm will offer this.


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Renters insurance is a lot different than car insurance. You can find renters insurance from the State Farm Insurance website. Auto insurance is available on Progressive.


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For less than a dollar a day, a State Farm renters insurance policy will cover all of your property at its full replacement cost. Protect your possessions with State Farm renters insurance, and you could end up saving thousands. http://www.statefarm.com/insurance/renters/renters.asp


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