Renters Insurance

There are too many variables to provide an answer here. The best way to find out is to contact a local agent or agency and ask for quotes or at least a ballpark estimate.

Renters insurance is a form of homeowners insurance. The form is HO-4. I assume that you mean the policy that the person renting purchases to cover their belongings and liability. Most all homeowners policies offer a wide variety of deductible choices usually ranging from $250 to $5000. The higher the deductible you choose the less the cost of the policy because you are assuming some of the risk for small claims. Most insurance companies have or are moving to increase their minimum deductible to $500. Look on your declarations page on the front of the policy and it should tell you the deductible.

A homeowner can insure the property and owned contents.

A renter does not own the home so they can only insure their own contents.

Liability coverage can be purchased on either policy type.

It might. there might be some argument if the company is picky over the installation of it. If it was there when you moved in the building owner has to deal with it.

Property owners Liability is the financial , legal liability attaches to property owners due to their property, where as tenants libility vice versa

Good question. I am an agent in Virginia, so my answers only apply to VA policies. But, here's a start. I'm assuming you had a valid policy in place when the occurrence happened. Insurance has lots of Grey areas. So, your insurance company is the best to contact for a good answer. But, if your items were stolen at the time of eviction, you will most likely need a police report and then submit the claim. It would most likely be paid minus the deductible. As far as damaged items, it really depends on the policy and could very easily go either way. I suggest you contact your insurance agency/company for a more definitive answer.

It depends on the level of coverages you chose when you shopped your renters insurance rate. If you chose the cheapest rate available then you may have no coverage at all available through your renters policy.

If you elected coverage for off premise property, then certain household contents that may have been stolen from your vehicle can be covered.

But the auto itself no, That would be covered by the comprehensive portion of your auto insurance policy

If the items are scheduled on your homeowners insurance policy for coverage, the items belong to you and the garage is the same one at the insured home, then you should have no problem with coverage.

Yep, It's become the industry norm to require tenants carry a renters insurance policy. This protects the property of both the landlord and the tenant as well as certain liabilities of the tenant in the event of damages or loss concerning the rented property.

It's in the lease contract. Failure to provide the coverage is a breach or default of contract and he landlord can buy whatever he wants and bill it to you.

No. Altering documents in such a manner is unlawful.

No, cash is not covered, same on homeowners policy, not covered.

Renters insurance really does cover a lot. It covers natural accidents, burglary, theft, fire, vandalism, and smoke damage. It also will pay your rent for a few months if you get hurt in the apartment.

It really just depends on your lease. In some areas it is customary for the owner to provide the structures insurance while in other areas it is commonly part of a lease agreement that the tenant will provide it.

It is difficult to state what the average cost is. This is because insurance premiums in general, and this type in particular, differ based upon various factors. Some of them include:

1. The physical address of the apartment;

2. Whether it is a building with an attendant (such as a doorman);

3. The floor of the apartment if it is a multi-story building;

4. The type of lock(s);

5. The nature, if any, of the fire sprinkler system;

6. The insurance company involved.

Since renters insurance covers primarily the contents of the apartment, a great deal of what the premium will be depends upon the contents of the apartment" furniture, jewelry, rugs, etc.

Tenant insurances covers both liability and the contents of the place one is renting. It covers a large number of items, including but not limited to flood damage, stolen property, and destruction of property.

About thirty percent get renters insurance. Renters insurance should be the top priority of any renter however. It helps just in case a strom, or anything else does damage to the place one is renting.

No, infinity insurance does not offer renter's insurance. Their mission is to provide low cost automobile insurance. You should look for someone like allstate.

all depends on the location of the apartment and who you go with for renters insurance but you can pay as low has 9 a month or has high has 100 a month

That would depend on your insurance policy. Te covered perils are listed in your policy package under the heading "Covered Perils".

You could review your coverage with you Insurance Agent for clarification.

they start from $10-$30

No. It's not your window. You are a tenant and there fore you do not own the home just the contents. You cannot insure something that you don't own. The landlord will have to fix the broken window unless you broke it and in that case you will have to fix it yourself.

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Yes, your renters policy will pay for your damages, depending on the actual cause of the damage. If it was a leak that occurred over time and finally the ceiling fell in due to the water building up on the damaged sheetrock, then the landlord would be responsible for the damage due to a lack of maintenance. If a tree fell on the home during a storm and poked a hole in it causing the damage then his policy would cover it.

Of course not. Auto insurance has to cover your car and home insurance covers your home. Damage to you car is always covered under an auto policy. It is specifically excluded under your homeowner's rental policy.