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What does the phrase renters insurance mean?
Renters insurance is insurance purchased by renters to protect their personal property in situations of fire, theft, water damage, or any other unforseen circumstance not covered by the landlord's policy. Renters insurance also helps protect renters against personal liability if someone is hurt, whether in the home or away from it, and damage to the rental unit caused by a covered loss.
Is hurricane insurance required in Florida?
Hurricane insurance is not required by law in Florida. However, if you have a mortgage on your home, your lender may require you to have hurricane insurance as part of your homeowners insurance policy. It is always recommended to have hurricane insurance due to the high risk of hurricanes in Florida.
Will renters insurance pay for carpet damage done by dog?
Renters insurance typically covers personal property damage caused by certain incidents, but it usually does not cover damage caused by pets, including carpet damage from a dog. However, if the damage is a result of a covered peril, like a fire or water leak, it might be eligible for a claim. It's important to check your specific policy details, as coverage can vary by provider. Additionally, some landlords may require tenants to have renters insurance that includes pet damage coverage.
What would cause a dead TV after lightning?
A power surge caused by lightning may have killed it. If you have homeowners or renters insurance, they may help replace it.
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.
Will catastrophic insurance cover damages caused by a hurricane?
Hurrican damage is covered. Anything direct, sudden, and accidental is covered.
Will renters insurance cover your own injuries sustained on your property?
If you're the renter, no. If you mean you're the property owner, if the renter was negligent and that negligence caused the your injuries, probably yes.
Does renters insurance covers a locksmith?
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
Does renters insurance cover broken window due to break in?
Yes, renters insurance typically covers damage to personal property caused by a break-in, including a broken window. However, coverage for the window itself may depend on the specific terms of your policy, as it usually pertains to the landlord's responsibility. It's essential to review your policy details and consult with your insurance provider to understand the extent of your coverage in such situations.
Is the landlord responsible for damaged to my personal property if the damage was caused an fire?
The landlord is generally only responsible for the building, not the belongings inside. That's what renter's insurance is for.
Who is responsible for damage caused to a tenants personal property when the ceiling collapsed during a storm because the building was not weatherproofed correctly and the tenant didn't have insurance?
The answer is basically no. The landlord is never responsible for damages to personal property belonging to tenants in any dwelling or structure. That is why you are strongly encouraged to get renters insurance. In some cases you may have some recourse if the landlord knew of the problem. But if you get renters insurance be insurance company can determine that for you and they can seek damages from the landlord.
If during a hurricane your car is flooded is it a total loss?
You insurance adjuster will make that determination. More than likely the answer is yes. Just adding something that seems rather odd to myself anyway. Some insurance providers pay for hurricane damage but not the flooding caused by the hurricane. Apparently that has to be covered by having flood insurance included in the policy as well as storm damage. HUH?
