Renters Guide

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How Much Renters Insurance Should a Landlord Require?

Landlord should require a tenant to obtain enough renters insurance coverage to protect all of the personal belongings of the tenant. Renters policy should also include enough loss of use and personal liability coverages.

Does Renters Insurance Cover Auto Theft?

If your vehicle is stolen, insurance companies have the responsibility to compensate you for the market value of your vehicle. If you have comprehensive insurance and renters insurance, you can reap the benefits of both coverages. Collision insurance will not protect you if your car is stolen because it only covers you for collision damages. ... Read more

Does Renters Insurance Cover Vandalism?

Renters insurance protects your rental unit or home from damage and this includes personal property and liability insurance for unpredictable events such as vandalism. Renters insurance provides a high level of coverage, similar to homeowners insurance. HO-4 renters insurance policies have three levels of coverage: Personal property, liability insurance, and loss of use. If your ... Read more

Does Renters Insurance Cover Hurricane Damage?

Hurricane season runs in the United States from June through October. According to statistics from the National Oceanic And Atmospheric Association, we see an average of 6 hurricanes and 12 named storms during the Hurricane season. To prepare for damaging hurricanes, you need the right insurance. Renters insurance or HO-4 insurance provides optimal protection for ... Read more

Does Renters Insurance Cover Jewelry?

If you’re renting an apartment or townhouse, renters insurance (HO-4) will cover your personal property. The main purpose of renters insurance is to cover the tenant’s personal belongings. Yes, this includes your jewelry. Other personal property includes clothes, furniture, appliances, and more. Each renters insurance policy includes a clause for personal property that means if ... Read more

Does Homeowners Insurance Cover Renters?

If you’re a homeowner and want to start renting your property, you must insure the property and the tenants. Homeowners insurance protects you on multiple levels: It includes dwelling coverage for structural damage and property coverage for all your belongings. This coverage is mandatory when you let strangers into your home, especially when you do ... Read more

Does Renters Insurance Cover Car Damage?

Renters insurance, also known as HO-4 policy, is insurance designed for tenants. This insurance policy can be used to protect your personal belongings while you rent an apartment unit or a house. Renters insurance will cover you for all personal property inside the home and abroad when you’re traveling, albeit at a lower coverage limit. ... Read more

Does Renters Insurance Cover Personal Injury?

Renters insurance is becoming mandatory for rental properties as more landlords demand tenants to get insurance. If you’re renting an apartment, house, or townhouse, you can buy renters insurance before you sign the lease. Renters insurance is affordable at only $150/year for the average policy and it protects all your personal belongings. Did you know ... Read more
Condo Insurance Vs Renters Insurance

Condo Insurance vs Renters Insurance

If you live in a condominium or apartment, you will need to consider if you want home insurance. The options available for your situation, condo insurance, and renters insurance, respectively, have differences compared to standard homeowners insurance policies that you need to know. What Insurance Do You Need if You Own a Condo? If you ... Read more

Top 4 Reasons To Purchase Renters Insurance

You finally found an apartment with affordable rent and you’re saving a few hundred – what if your landlord slaps you with renters insurance? This is a hidden cost many landlords don’t advertise but make mandatory when you move in. Fortunately, renters insurance is not as expensive as homeowners insurance and you’ll be paying a ... Read more
Can A Landlord Require Renters Insurance?

Can A Landlord Require Renters Insurance?

It all depends on your state. Some states allow landlords to require renters insurance, some allow up to a specified amount, and some don’t. Depending on where you live can affect whether your landlord may require renters insurance or not. Even if your landlord does not require renters insurance, it may be a smart decision ... Read more
Personal Liability For Renters

Liability Insurance For Renters

If you find yourself in a legal situation where you are sued for damages, your renter’s liability insurance can help cover the associated legal costs and damages.  It can also keep you from paying beyond the limits of your insurance and make you not go broke in the process. What Is Renters Liability? Renters liability ... Read more

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