Can you get renters insurance to cover a trampoline?
Highly unlikely, Most would cancel your insurance policy at the mere mention of a trampoline.
1 person found this useful
There are different types of insurance, may be theinsurance cover you are opting doesn't cover your stuff when youare outside the house premises. In that case you should ask yourinsurance agent to provide that insurance to you..
Answer . Yes, but only for the dwelling, not for your renter's belongings. be sure to notify your insurance company that you have renters, your rate will go down because they're not insuring your belongings...and be sure to tell your renters about renters insurance.
Loss of personal property at the insured premises, and liability of the renter for accidental damages or injuries.
most renters policies only cover the personal property of the renter. The property owner typically carries insurance for the Hazard of Fire.
Answer . Not if it 'came with' the building. For instance wall to wall is considered under the dwelling coverage on the home owners policy. So if you didn't bring it in with you, it belongs to the landlord, and your renters policy will not cover it. Now if you are saying you damaged the landlords property, file a claim and see if there might be some coverage under your liability section. States differ on this.
It depends on what you mean, Covered for what kind of loss? Your renters insurance covers your personal property and certain ofyour liabilities to others, generally the owner of the rentedproperty and your guests. If you somehow accidentally damaged the pool in a home you rentedthen there may be coverage under the liability portion of yourrenters insurance policy. If the pool suffered a weather related loss or damage from groundmovement or another natural act then that would be covered underthe property owners insurance policy. You don't own the pool, thelandlord does and if you didn't break it then your not responsiblefor it beyond whatever agreed maintenance you were to perform. If the pool just needs maintenance, cleaning, repair or servicingthen no that's not covered at all as it is not considered a loss,it's just normal expected maintenance that all pools need.
RENTERS INSURANCE Policies available to those who rent a dwelling; usually covers personal possessions and liability, but not the dwelling itself.
Sewage back up is a rider that you must purchase. But if you are a tenant, it would be your landlord's responsibility to purchase the coverage. Check with him.
Some landlords may require you to carry tenants insurance in order to rent. If they don't it is still a very good idea to have it and very inexpensive.
Doubtful. Most policies exclude damage from domestic animals. Consult your policy or with your agent.
most of the time NO renters insurance only covers whats in an APARTMENT. However you can get insurance from the storage unit to cover whats being stored in the unit..hope this helps
your personal property, loss of use of your apartment and your personal liability. the policy has conditions - generally you need a "covered cause of loss" for coverage on your personal property - some causes of loss are fire, theft, expolsion, etc. they are listed on your policy or your agent can provide you a copy of the policy before purchase.
NO, The landlords, or owners insurance is specific to the named insureds property and liabilities. If your tenant has chosen to own a trampoline that would be there own responsibility and their own liability in the event of a loss or injury. Bear in mind though that whether the owner lives in the house or it is leased to a tenant the insurance company will most likely cancel the policy if they discover a trampoline on the property. Answer Please remember that liability insurance covers negligence, so the trampoline would only be covered by liability insurance if you can prove some level of negligence associated with the trampoline.
No. A renters policy would cover a renters loss, Not the Home owner. Actually a homeowners form HO-4 is for renters. It provides similar coverage to a "normal" homeowners policy with the exception of not covering the home itself. There are many homeowners forms for different situations. HO-8 OS for condos, HO-10 is primarily for older homes that you don't want to cover for replacement cost so you insure it for the real estate value so you aren't penalized on claims for carrying less than the replacement cost of the home, etc.
Does renters or auto insurance cover the injury to the movers who don't have worker's compensation insurance?
NO, Your homeowners or renters policy will not provide coverage for hired workers or contracted movers. . It is the responsibility of the Employer to provide coverage for work related injuries of it's employees, not the customer.
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.
The best I can say is "it depends..." Read your policy and check to see if there are any exclusions that apply to renting the property vs. living in it as the homeowner. A policy specifically designed for rental property should include such hazards. If your policy excludes using it as a rental, then you may not be covered at all.
It depends on what type of coverage you are looking for. If your dog chews up your own property, probably not. You need to be proactive and either teach your dog not to chew up your stuff or isolate it so it can't chew up your stuff. However, if your dog chews up someone else's stuff, it probably will cover it. In Wisconsin, there are two types of coverages available that might provide coverage: damage to property of others, which applies regardless of whether or not you are liable for the damage (although in this case, you would be), and personal liability coverage which only applies in instances where the damage is your fault. Usually the damage to property of others coverage is limited to about $500. The personal liability coverage is usually a minimum of $100,000, but is often much higher.
Renters insurance generally does cover flying/falling objects. I do believe that a bullet would fall into that category. Please remember that you may have a deductible to face.
No. Hail damage to a car is covered by the comprehensive (sometimes called "other than collision" or "comp") portion of your auto insurrance policy.
You play softball and hit a ball back at that pitcher putting him in the hospital. The pitcher sues you. The insurance company defends you and settles the suit. You put a pizza in the oven, forget about it and leave. The pizza catches on fire and burns the entire complex down. The insurance carrier that insured the apartment building sues you for the damage. Your renter's policy pays it. Etc.. The second example, with the fire, is not entirely accurate. A renter's policy typically does provide some coverage for "Fire Legal Liability," but it is typically with a lower limit than the general liability coverage.
I cannot see any way that a covered cause would require you to get a locksmith. If the damage was not caused by a covered cause then no it will not pay for a locksmith.
Renters insurance is similar to condo insurance. It typically covers the personal contents inside but there is the option to obtain dwelling coverage to protect the structure of the items that are secured to the inner walls of the rented space. This is good for protecting kitchen and bathrooms when renting a single family home or extra large apartment. I hope this helps clarify the question.
No. Homeowners insurance is for houses, it does not cover cars.Automobiles are covered under the owners auto insurance policy. Trampolines and resulting injuries and damages are always excludedfrom homeowners insurance policies in the United States if theinsurer knows you have one and sometimes even if they don't know. In fact, if the home insurance company finds out you have atrampoline on the property, they will generally require you excludeit from all coverage including liability and many will justautomatically schedule the policy for cancellation.
Why would you not sign the application for insurance. You should do that when you paid for the insurance coverage. I would suggest that you go back to the agency and sign the document.
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.
No. "Renters Insurance" is property coverge for a tenant. It will cover the property of the named insured Tenant or Renter that is located within the rented dwelling. It will not cover property of someone who is not a named insured on the policy.
Does an owners liability insurance cover damages to contents of renters property if the homeowner is negligent?
No, a homeowners insurance policy does not provide coverage for the property of a tenant. That's what "Renters Insurance" is for. If the renter chose not to purchase a renter insurance policy, Then the renter was negligent to the extent that the renter chose not to purchase a renter insurance policy, perhaps with the mistaken belief that the owners policy would cover them.
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.
No, because the roof does not belong to you. You are the tenant, therefore the landlords policy would have to cover damage for the roof. You cannot insure something that you don't own.
No, the property owners coverage does not provide coverage for a tenants property or liability.
Typically Trampolines and resulting injuries are not covered under your homeowners insurance policies. Most companies automatically exclude coverage for damages and injuries arising from the ownership of a trampoline. Most companies will also schedule your home insurance policy for cancellation if they discover that a trampoline is located on the property.
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.
No, Reners insurance generally covers liability if someone else gets hurt at your home, or due to your negligence
Typically, renters insurance covers the contents of the rental unit when in the rental unit. Whether it covers it during the course of a move depends on the terms of the insurance policy. However, it is common that a moving company will offer property insurance to the customer for an additional fee (the equivalent of a premium).
It can, it just depends on what coverage you purchased. Contactyour insurance agent to determine if you have coverage for offpremise or stored property.
Highly unlikely, All renters insurance policies specificallyexclude claims arising out of the use or ownership of a trampoline.
How do you mean cover? If the trampoline belongs to the insured and it is damaged by a covered cause such as storm damage or another covered cause then yes it will be covered for the damage done to it. If a third party is hurt on the trampoline and they are suing you under the liability section of your policy that is another matter. Every homeowners policy application including renters policies ask if you own a trampoline as well as dangerous dogs or pets. If you have these dangerous situations the insurance company will deny you coverage or only approve you if you sign an exclusion to prevent coverage for these losses. If you apply for the insurance and not tell the company you own a trampoline then you have committed material misrepresentation and the insurance contract is void and no coverage is afforded.
The moving company should have their own insurance if items were damaged during the moving process, if not I would get a lawyer!
No. First, if you are renting the home, you cannot insure it under a homeowners policy. If the home is not owner occupied for 90 days coverage ceases immediately. You must have the correct property policy for the right situation. If the home is rented you need a tenant occupied dwelling fire policy to cover the home. Be very careful that you notify your agent of any changes in your use or anything else about your property.
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.
It depends on the level of coverages you chose when you shoppedyour renters insurance rate. If you chose the cheapest rateavailable then you may have no coverage at all available throughyour renters policy. If you elected coverage for off premise property, then certainhousehold contents that may have been stolen from your vehicle canbe covered. But the auto itself no, That would be covered by the comprehensiveportion of your auto insurance policy
Firstly, the home doesn't belong to you so it would not cover to fix your landlords property. Also, the reason is a maintenance issue and not a covered cause anyway.
No, Renters insurance excludes liability for the failure of orlosses resulting from a failed utility conveyance.
In general no, vandalism of an automobile is covered by thevehicles auto insurance policy. However you may have coverage for certain household belongingswhile outside the premises so check your policy or contact youagent if some of the stolen items were household items.
Renters insurance primarily consists of property coverage andliability coverage for the named insured. Coverage is available for the renters personal belongings in thehome ( usually clothing, appliances and home furnishings).Scheduled valuables can also be added to the policy. Coverage canbe for both theft and extended coverage such as weather related andstructural induced losses. Coverage is also available for the tenants liability in the eventthey or a guest damage the property to some degree beyond what isconsidered normal and expected wear and tear during the course ofthe lease. Liability coverage is available to protect both the tenant and thelandlord from certain types of injury claims such as slip and fallwhile on the rented premises.
No, your tenants policy will only cover your contents. Unless you are negligent in the garage door being damaged, like you drove into it. Then yes it would be covered under your liability coverage but the homeowner would still need to go through his insurance company and subrogate against yours, most insurance companies do not work directly with the third party and rather deal with another insurance company. More specifics regarding the damage and how it happened would be required to assess as well as your policy wording, I suggest calling your insurance company and discussing it with there claims office, most insurance companies will have some sort of claims guarantee where they will consult you on the claim before making it affect you.
No, Normal and expected maintenance issues are not covered by yourrenters nor property owners insurance. Maintenance issues are generally handled by the property owner, notthe tenant, unless otherwise agreed to in your lease contract. It's just like an oil change on your car. You wouldn't contact yourauto insurance company about an oil change. It's just a normal partof vehicle maintenance. If you rent property that utilizes a septictank, It's normal and expected that you have it emptied from timeto time so that it does not overflow or backup. Now if you have coverage for accidental water discharge damage onyour policy. Although it will not pay to drain the septic tank,Once you have done that, your coverage will invoke if some of yourcovered property or belongings was accidentally damaged as resultof this unintended water discharge. But first you have to fix theinstigator, you have to have the septic tank drain and servicedback into working order.
Your home renters insurance will cover you for loss or damage to the property which you own and which is kept within your rental property. Any damage to the actual structure of the building would be covered by the landlord's insurance.
Absolutely not. There is a criminal acts exclusion which would deny coverage. Regardless of legality at the state level, Federal law would likely allow invocation of the criminal acts exclusion.