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There are different types of insurance, may be the insurance cover you are opting doesn't cover your stuff when you are outside the house premises. In that case you should ask your insurance agent to provide that insurance to you.

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โˆ™ 2016-07-27 04:18:16
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Q: Does renters insurance cover your stuff when outside your house?
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What does renters insurance cover?

Renters insurance will cover your belongings in the house, and will also cover you for any legal mishaps you have with the landlord. It is prudent to have it as if for example there is a flood your belongings would not be covered by the landlords house insurance.


Which kind of renters insurance are recommended for older people with a house?

If your parents bought their house they do not need renters insurance but they do need house insurance. They should insure the house for two things, one for the contents and any damage to the home, and two if there is a mortgage they should have insurance to cover that in the event that anything should happen to either of them.


Can you insure a house that does not belong to you?

You can obtain renters insurance that would cover damage to the contents. The homeowner should already have hazard insurance, so there is not any point in your trying to purchase that.


Does homeowners insurance cover a water leak from a well to the house. It is outside.?

No, it is just for the house and contents.


Does homeowners insurance cover renters belongings when their house was broken into and items were stolen?

If you are the owner of the house, and are renting to tenants (making you the landlord), then you only have insurance on the house (dwelling coverage - not homeowners coverage) and not the personal contents of the renters. In this case, no, your insurance will not cover their loss. It is the responsibility of the renters to purchase insurance coverage on their personal belongings. If you are the renter (tenant), then you have to buy contents coverage on your personal belongings, such as furniture, clothing, etc. The landlord is not responsible for your belongings, whether the loss is from robbery, fire, etc. In order to purchase homeowners insurance you have to own the home (but it can still be mortgaged) and you have to live in the home. Otherwise, you have to have a dwelling policy on the house if you want it insured, whether it's vacant or rented. If, however, there is still a mortgage on the house, the bank (or mortgage holder) will require you to have insurance on it. If the house is paid for, then it is at your discretion whether to have it insured or not, for the value of the house. But if you rent it out, your state may require that you carry liability insurance on it.


Does home insurance cover house jacks?

my doors are hard to open and the outside door want lock. do i need house jacks?


What types of insurance policy apply for tenants in rental houses?

If you are a tenant who rents out an apartment, house or building for living space it is a great idea to get renter's insurance. Without renter's insurance you could lose all of your personal property and valuables if a fire or burglary ever occured. The homeowner's insurance would cover the dwelling but not your personal belongings. When you're renting, you'll want to buy renters' insurance to cover your stuff. Here's a place that sells policies: http://www.statefarm.com/insurance/renters/renters.asp


Can I insure a house without ownership in California?

If you don't own the property, you can usually still get "renters insurance" that will cover the contents of the house and possibly liability for damages (other than those you might cause intentionally).


Can a renter insure the structure he lives in?

There is renters insurance, but it is on the items the renter has brought into the house/apartment. The owner has insurance on the building.


What does home insurance cover?

Your house


Does regular house insurance replace the home's contents?

Regular house insurance does not cover the contents of the house and so will not cover the replacement of those items. A separate assessment is made of the contents of the house and a separate amount is charged for their insurance.


Which company offers the cheapest house insurance?

Before jumping into a conclusion, it is always better to browse around for some insurance quotes. Then you could compare it and get the cheapest house insurance. There are lots of house insurances available like progressive, renters etc.


Do you need to change your homeowners insurance if you rent your house?

If you were living in your home when you first took out the homeowner's policy, then, yes, you do need to change it. To not notify the insurance company that you are now renting your home could render your coverage null and void, resulting in the loss of coverage should something happen to the house. There are several types of coverage, some of which offer more coverage than others. In your case, you need to change the policy since the house is now a rental. But, there are other factors involved, too. Did you rent the home furnished? If so, you need to maintain coverage that will still insure your contents of the house. If not, then you need to change the policy to cover the house only. The renters will need to take out a rental policy, which will cover their belongings in the event of a fire, or other types of damage. You also need to talk to your insurance agent about keeping liability insurance on the house, as well. And, since some renters aren't aware that the landlord's insurance won't cover their belongings, you need to inform the renters that they will have to take out a rental policy to insure their belongings (furniture, clothes, etc.) if they want them insured. Also, keep in mind that a homeowner's policy does not cover flood damage; that will have to be a separate policy.


If you fall in your house does your insurance cover you?

It would depend on the reason for your fall, but most likely your insurance would not cover you for that.


What does house insurance cover?

House insurance can cover different things depending on your policy. Common things covered include storm damage, some kinds of theft, and fire. You can also get specific flood insurance. There are many different houses out there. Because there are houses, there are companies that offer house insurance. Depending on one's house insurance plan, it can cover different things.


Is it the renters responsibility to remove fallen limbs from roof?

If the tenant is living in a house, their responsibility is the same as if they owned the house, with regard to outside maintenance.


Will rental insurance pay for wind damage to roof on a rental house?

This is not a covered peril on a tenants renters insurance policy. Nor should it be. This is the landlords responsibility.


Is my landlord responsible for damage to my personal property The leak is caused by excess snow on the roof It all happened in one day leak started came into house damaged property i came home 2 it?

Unfortunately, if you are renting No he is not responsible. You need to always have whats called "Renters Insurance". However, if the roof was previously bad and you made a written complaint, or it is on file, then Yes he is responsible. He new of the damage and didn't fix it. Renters Insurance is just like Mortgage insurance for a house. However Renters Insurance is a lot cheaper.


Should I buy renters insurance when I rent a house?

yes. what if you fell and just happened to put a whole in the wall, are you covered?


Does homeowners insurance cover hospital from a car accident?

No, Homeowners insurance is for the house. it does not cover cars or car accident claims.


If a skylight was damaged in a fire in a rental house is that the responsibility of the renter or owner?

Most Renters Insurance has a Liability component as well as personal property coverage. So if the fire was the renters fault the landlord could sue the renter then the liability insurance would pay.


Will insurance cover a stolen lawnmower from your house?

yes


What does Mortgage insurance premiums cover?

the house payment


Does homeowners insurance cover plumbing repair to a leaking pipe outside the house?

I have been doing this for 20 yrs. and i have never found a policy that covers anything outside the foundation of the home to be covered.


Will insurance cover electical house fires?

yes it can cover house fires make sure you look at the insurance you have because it will tell you what they cover you should use a online site which fits your needs and compares prices