Does renters insurance cover damage to your own property?
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.
I hope this helps clarify the question.
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Answer . Depends on your terms and conditions. Usaully you have be very deligent to get your money. If you rent your landlords insurance under PA state law should cover dam…ages unless its willful destruction.
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.
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 u…p 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.
You must read your policy carefully but I'm sorry to say that unless your policy is unusual or unique, medical reasons for damage or destruction do not qualify.
No. Hail damage to a car is covered by the comprehensive (sometimes called "other than collision" or "comp") portion of your auto insurrance policy.
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.
Homeowners insurance No. But a landlords Dwelling Policy yes.
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 re…nter 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.
The property damage coverage is a part of the liability coverage and provides for the repair, replacement, or payment of the actual cash value of another party's vehicle if yo…u hit the vehicle and the accident is your fault. There is a maximum amount available per accident listed in the declarations page of your insurance policy.
If your renters policy covers Sewer Backup then it will cover damage to personal property.
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.
Pests, Insects, fumigation and bug spraying are part of a property owners usual and expected maintenance costs. Homeowners insurance does not cover maintenance.
If a driver in Georgia rents a moving truck and damages anothers persons property will progressive insurance cover the cost up to the personal property limits no renter insurance is on the rental?
It depends on the level of coverage you purchased when your shoppedyour insurance rate. If you selected the cheapest rate available,you may have no coverage at all for this si…tuation. Do you have acommercial policy as a professional mover for a client or were youjust moving your own stuff with a rented truck? You should contact your insurance agent or the claims department ofyour insurer o determine if yo have coverage. Without knowing whatkind of policy you have, we can not venture to say. It's always a good idea to pick up the Rental companies insurance,especially if we tend to buy our own auto insurance on the cheap.It not only guarantees coverage for the rental transaction, it canalso keep a claim off the books of your regular auto insurance inthe event of an accident so your rates don't go up.
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 yo…ur 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.
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 happen…ed. 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.