Does home insurance apply to me if I’m renting?

Renting a home or an apartment in Pomona, California may mean that the appropriate insurance to protect your personal belongings will differ from the needs of a homeowner. As a renter, you may not need a home insurance policy. Instead, you will want to consider a renter’s policy that specifically addresses the type of situations you may face.

Renter’s Plans

A renter’s insurance policy is designed to address your specific situation and needs. Depending on the plan that you are considering, the details of the coverage may vary. In general, it will protect your personal belongings from common threats and it will provide some liability protection in case an accident takes place on the property.

Home insurance may not apply to your situation because you do not own the property. The risks that you want to address may not align with the basic policies that are designed for homeowners.

Selecting the Right Plan

As a renter, your needs may focus on your personal belongings and the risks that you are likely to face. You may want a plan that provides protection against theft, damages to your belongings from a fire or even the cost of staying a hotel if your apartment or rented space is damaged and you cannot live in the property.

Depending on your goals, budget and concerns, the best plan for your situation may vary. Comparing your options and getting several quotes will help you narrow down the choices so that you can find a plan that is appropriate.

Renting an apartment or house is different from owning the property. Your level of responsibility is limited, but you may have other concerns to address. Contact us to talk to an agent for more information about the insurance that is appropriate for your needs.

Can I cover myself against damage by pets under homeowner’s insurance policy?

Protecting your property under a homeowner’s insurance policy does not mean that every situation and problem is covered. In general, any damages that are caused by normal wear and tear, as well as damages from your pets or family members, are not covered under a basic policy.

Damages to Your House

In most cases, insurers will not protect your house from any damages that are related to your pet. A pet is optional and is often considered a member of the family, so the wear and tear that results from a cat scratching the walls or a dog’s claws tearing up the floors will not usually be covered under a policy.

Any damages that are not directly related to your pet or normal wear and tear may be covered, but every situation and policy is different, so the details may vary.

Bites and Injuries

Even though your property may not be covered from your pet, it is possible that you will have coverage to protect against liability concerns. If your pet causes an injury to a guest, neighbor or other individual, then you may have coverage to pay for those medical bills and related expenses.

Bites are usually covered as long as the insurer does not exclude the specific breed. Your homeowner’s insurance plan may have variations on the situations that are covered, so make sure that you read and review the plan before you assume that a particular problem is covered.

The amount of coverage that is available for a pet in your home can vary, but it does not usually extend to the damages to the floors, walls or other structural elements of your property. Contact us to talk to an agent for more details about your coverage.

Protecting your property under a homeowner’s insurance policy does not mean that every situation and problem is covered. In general, any damages that are caused by normal wear and tear, as well as damages from your pets or family members, are not covered under a basic policy.

Damages to Your House

In most cases, insurers will not protect your house from any damages that are related to your pet. A pet is optional and is often considered a member of the family, so the wear and tear that results from a cat scratching the walls or a dog’s claws tearing up the floors will not usually be covered under a policy.

Any damages that are not directly related to your pet or normal wear and tear may be covered, but every situation and policy is different, so the details may vary.

Bites and Injuries

Even though your property may not be covered from your pet, it is possible that you will have coverage to protect against liability concerns. If your pet causes an injury to a guest, neighbor or other individual, then you may have coverage to pay for those medical bills and related expenses.

Bites are usually covered as long as the insurer does not exclude the specific breed. Your homeowner’s insurance plan may have variations on the situations that are covered, so make sure that you read and review the plan before you assume that a particular problem is covered.

The amount of coverage that is available for a pet in your home can vary, but it does not usually extend to the damages to the floors, walls or other structural elements of your property. Contact us to talk to an agent for more details about your coverage.

 

What’s my coverage if someone has an injury on my property?

When an injury takes place on your property, it is likely that your house insurance policy will provide some protection to pay for the cost of medical bills and related expenses. Even though every situation is different and your coverage may vary, it is likely that you can make a claim on your policy to limit the financial strain that you may face.

Cost of Medical Bills

Regardless of the situation, most house insurance policies will provide enough coverage to pay for any medical bills or the related expenses associated with the medical bills.

The insurer may ask for proof regarding the amount of the bill or the cost of any equipment that the injured individual may need, but the cost is usually provided after you have paid any deductible on your plan. Depending on the injuries, the amount that is provided will vary.

Lost Income

In some cases, insurers may offer additional coverage to pay for the lost income that is directly related to the injuries. For example, if the individual is not able to work for one week, then your insurer may pay for the lost income so that the individual and their family do not face any financial strains.

Lost income coverage may have some limitations, so you might need to pay for some of the additional costs if the individual or their family members decide to take you to court for the remaining expenses.

Injuries can cause a variety of problems, but it does not mean that you have not options to help reduce the financial impact of the situation. If an injury takes place on your property, then your house insurance may pay for some of the bills. Contact us to talk to an agent for more details.