Apartments and Home Rentals
Renters Insurance

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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Unlike auto insurance, there is no state law in California that requires a renter to carry insurance. However, there is a growing trend of Landlords requiring their tenants to carry renters insurance as a part of their lease agreement. Regardless of whether or not your landlord requires you to maintain insurance I would recommend looking into obtaining a renters policy for yourself. Renters insurance is usually very cheap in California. Many renters policies not only cover your personal property in your apartment, but anywhere in the world as well.

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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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Apparently, it is. I lived in Southern CA. in an apartment complex that kept flooding. So when the owner got everything fixed, he required renters insurance so that he couldn't be sued if it flooded again.

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Renters insurace and coverages vary by state as insurance is regulated in each state. Many comapnied such as Allstate and State Farm offer renatl insurance plans.

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